Refinance a Home
See a Better Rate Before You Commit.
See what a new rate could save you, with all fees shown upfront. No phone call. No credit check. No commitment.
From Homeowners. Unedited.
4.8 stars · 16,000+ experiences shared
“I definitely would recommend this company to anyone that needs a loan. Our loan officer was so helpful and pleasant to work with. Made it so easy. Truly exceptional. Thank you!”
Diane R.
North Olmsted, OH
“Our loan officer was so helpful to me and my family, patient and worked diligently. I 100% recommend. Thank you so much! I look forward to working with them again in the future.”
Kaleb W.
Houston, TX
“I would highly recommend! Our loan officer helped us from start to finish. Everything was explained in ways that made sense and the process was very smooth. We would absolutely choose to use them again!”
Kory M.
Goshen, IN
“This is my second time coming back and they will be the only lender I ever use or recommend. Patient, thorough, and super easy to work with. Thanks so much!”
Tricia V.
Heath, TX
“Our loan officer was phenomenal — I can't thank them enough for making a complex situation straightforward. I would recommend to anyone who wants their refinancing to go as smooth as possible.”
Tony F.
Fort Atkinson, WI
Refinance Options. Full Picture.
Paths to a better rate or better terms. See which one fits your situation.
Rate & Term Refinance
Lower your interest rate, shorten your loan term, or both. Keep your loan balance the same.
- Reduce your monthly payment
- Shorten your loan term
- Switch from ARM to fixed rate
- No cash taken out
Cash-Out Refinance
Tap the equity you've built in your home and put it to work, without taking on a second loan or line of credit.
- Access your home equity
- Fund renovations or major expenses
- Consolidate high-interest debt*
- Keep one monthly payment
FHA Streamline Refinance
A simplified refi path for existing FHA loan holders with reduced documentation requirements.
- Minimal documentation required
- No appraisal needed in most cases
- Flexible credit requirements
- Lower your rate efficiently
VA IRRRL
Interest Rate Reduction Refinance Loan, the VA's streamlined refi option for eligible veterans.
- No appraisal or credit underwriting in most cases
- Lower your VA loan rate
- Reduced funding fee
- Minimal out-of-pocket costs
Your Home Has Equity. Here's What It's Actually Worth.
A cash-out refinance lets you tap the equity you have built in your home without taking on a second loan. Homeowners use it to fund renovations, consolidate debt, cover major expenses, or invest. Sebonic shows you exactly how much equity you can access and what your new payment would look like, before you commit to anything.
Refinance calculator
Estimate Your New Monthly Payment.
Adjust the numbers to see what refinancing could save you. Then get your real rate in seconds.
New Monthly Payment
$2,446
per month
Costs could be closing fees such as appraisal fees (paid outside of closing), origination fees (if applicable), discount points (to buy rate down), attorney fees, tax stamps (if applicable), VA funding fees, and/or title fees.
The information and results provided by these calculators are for illustrative purposes only. These self-help tools are for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual and financial circumstances. We recommend you consult a financial advisor to discuss your home financing goal.
Rate comparison
Already Have a Refi Quote? Compare It.
Before you sign, make sure the numbers stack up. Use Sebonic as your first stop for a second opinion: bring any refinance quote you have and compare it side by side, with full fees included. No sales call. No obligation.
Common Questions. Clear Answers.
No runaround. Straight answers about refinancing your mortgage.
See What a Better Rate Could Save You.
No hidden fees. No runaround. Check your refinance rate without committing to anything.