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0 of 6 steps completedStep-by-Step Instructions
1 Step 1: Check Current Mortgage Terms
Step 1: Check Current Mortgage Terms
Review existing mortgage: interest rate, remaining balance, years left, and any prepayment penalties.
Mortgage Refinance Guide
Book on when and how to refinance
2 Step 2: Determine Refinance Goals
Step 2: Determine Refinance Goals
Decide whether to lower rate, reduce term, lower payment, or cash-out equity.
Mortgage Calculator Tool
Online calculator for comparing refinance scenarios
3 Step 3: Check Credit Score and Improve if Needed
Step 3: Check Credit Score and Improve if Needed
Pull credit reports, aim for 740+ for best rates, pay down debts if score is low.
Credit Monitoring Service
Annual subscription for tracking credit score
4 Step 4: Shop Multiple Lenders
Step 4: Shop Multiple Lenders
Get quotes from at least 3-5 lenders including banks, credit unions, and online lenders within 14-day window.
5 Step 5: Compare Loan Estimates
Step 5: Compare Loan Estimates
Review APR, closing costs, points, and break-even timeline to choose best offer.
Loan Comparison Spreadsheet
Template for comparing mortgage offers
6 Step 6: Complete Application and Close
Step 6: Complete Application and Close
Submit documentation, order appraisal, review closing disclosure, and sign final papers.
Document Organizer Binder
System for organizing mortgage paperwork
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