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Refinance Your Home

Free Refinance Analysis

Have interest rates on home loans gone down since you signed on your mortgage? Has your credit score increased or your DTI ratio dropped?

If you think you might qualify for a more competitive mortgage today, a refinance on your home loan could be in order.

Benefits of Refinancing Your Home

There are so many possible benefits of refinancing at the right time. Here are some to consider:

Refinancing your mortgage could mean lowering your interest rate.

You can restructure your mortgage when you refinance, changing the format of your interest rate and/or your loan term.

With your enhanced bargaining power, the overall terms of your refinanced mortgage could be more favorable.

Refinancing can save money, reduce stress, and increase financial stability.

When to Refinance

How do you know if this is the time to refinance your mortgage?

Many borrowers refinance when interest rates drop significantly compared to what they were when they took out their original home loan. There is no reason to go on paying a higher rate when your neighbors are paying less on interest every month.

If your risk profile has become more favorable than it was when you took out your original mortgage, it makes sense to refinance. A higher credit score and lower DTI ratio should mean that you qualify for better rates and terms today than you did originally.

Refinancing is also wise when plans change. Maybe you originally thought you would only be staying in your house for several years, so you chose a loan with an adjustable mortgage rate. If you will be staying for a long time, you can refinance to a fixed rate for greater financial stability.

The reverse would also call for a potential refinance. If you chose a fixed rate, assuming you would be in the home for long time, and now you know you will be moving out in a few years, switching to an ARM with a low initial rate could save you money.

If your income has increased and you can now afford to make larger monthly payments, refinancing can allow you to pay off your mortgage early without prepayment penalty.

If your income has decreased, refinancing to a longer term will allow you to make smaller monthly payments going forward.

If you have been paying for PMI on a loan which requires it, refinancing to another type of loan may allow you to stop paying for PMI. This can save considerable money over time.

Need some extra cash? It could be time for a cash-out refinance. With this type of loan, you can receive a lump sum of cash which you can use for home repairs and upgrades and other expenses.

Our Lender for Life Guaranteed Refinance Program

Here at The Best Home Loans, we want to make sure that your mortgage works for you over the long term, not just when you sign on it originally. That is why we offer a guarantee program called “Lender for Life.”

Through this program, you can get a free refinance on your home loan anytime over the lifetime of the mortgage. That means that when you first shop for a mortgage, you can pick the loan which is mot suitable for you at that time without worrying about the future. It also means that if you originally worked with us on your existing mortgage and are due for a refinance, we can take care of it for you at no cost.

What Our Clients Are Saying

al harvey
al harvey
03:08 13 Mar 20
Professional, knowledgeable, very accessible and easy to talk to. And we closed early! Couldn't be happier!
Brianna Thierfelder
Brianna Thierfelder
05:08 18 Jan 20
Brian and Nichole were awesome to work with. We got the best rates on our fixed mortgage (others tried to beat it, but couldn't), closed on time (within a month), and they were available and quickly responded to any questions we had. We received weekly updates on our loan status, as well. They truly go above and beyond and are genuinely wonderful people. We felt like they did everything they could in our best interest and make the process go so smoothly, especially for as fast as it went. I highly recommend working with Grand Lending Team and will definitely work with them if we ever refi or buy again.read more
Jenny Roberson
Jenny Roberson
03:42 05 Dec 19
We worked with Nichole for our initial loan on the purchase of our first house and when it was time to refinance, we of course went to Grand Lending! The process was easy and both Nichole and Brian were available to answer any question we had... wonderful experience during what could be a stressful event- would definitely recommend!read more
Casey Mitchnick
Casey Mitchnick
17:00 21 Nov 19
Brian and Nichole VerBurg were professional, kind, and always promptly responded to inquiries. I look forward to working with them again in the future
Azhang Hamlekhan
Azhang Hamlekhan
16:17 22 Oct 19
Brian and Nichole are awesome! They were honest, clear and responsive in every step of my refinance process. I will work with them for my next home loan.
Pyam Ramnes
Pyam Ramnes
03:33 20 Oct 19
It's been an easy and clear process. Both Nichole and Brian are awesome.
Robert Kodama
Robert Kodama
21:36 09 Oct 19
Nichole and her assistant Brian are a dynamic lending duo. I have worked with them on several home and multi unit loans and they have always produced with flying colors. I have received the best rates and the best customer service. Getting a loan can be stressful but they make it smooth and simple. I Just closed on a home recently and they helped make it an enjoyable process. Thanks you two and best of luck!read more
Jason Groel
Jason Groel
16:49 04 Oct 19
My experience with Brain and Nicole couldn’t have been better. We partnered together buying our new home and refinance that loan. In a situation that can be overwhelming Brian and Nicole certainly know how to make everything as streamlined as possible. The best part about working with Brian and Nicole is that they consistently watch your loan to ensure you are getting the best deal. Without them I would not have refinanced and would not be saving over $400 a month. Thanks you Brian and Nicole.read more
E D
E D
20:25 20 Sep 19
Brian is honest, caring and smart. He helped me with my loan and i got an unbeatable rate. Totally satisfied with Grand Lending Team service.
Scott
Scott
23:52 16 Sep 19
A bright light in a dark industry!!!!This is the second mortgage we have done with Brian and Nichole and they are the only ones we would use moving forward. First with the purchase of our home. Nichole was right there at evert step and was very quick to response to any questions we had. Thank you Nichole!!!On our refi, Brian not only got us a better rate then was first presented. Brian and Nichole again had us covered. We never ever had to think "what was happening with our loan?" I would 100% recommend Brian and Nicole and the Grand Lending Team for all of your mortgage needs. They are the only people I trust with my mortgage needs!!!Thanks,Scottread more
Uncle Eddy's Lasagna
Uncle Eddy's Lasagna
20:42 01 Aug 19
As a former corporate real estate executive & broker I ca strongly recommend this group. They handled all aspects of my loan in a very professional manner & brought it to a very successful closing with a great rate & terms.read more
Dorothy Lee-Jenkins
Dorothy Lee-Jenkins
01:57 01 Aug 19
Nichole & Brian did a wonderful job with our re-fi. We highly recommend their services. Very professional and return calls promptly. We would use them again.
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
ANTHONY GIARRUSSO
ANTHONY GIARRUSSO
14:07 20 Mar 19
I highly recommend, ended up with a great rate on my refi. I got a quote from Chase and these guys beat it by .25%. The process was smooth and easy. I haven’t worked with an easier company, they have the process down.read more
laurie plunkett
laurie plunkett
01:23 12 Mar 19
Nichole is the best and she really knows the business. We have done an initial purchase with her in 2009 and a re-fi in 2016. As anybody knows, it can really be a frustrating process, but not with Nichole. She moves to get you closed quickly and makes everything go smoothly. You will not be disappointed with having Nichole take care of everything for you.read more
Peter Helmuth
Peter Helmuth
19:44 10 Mar 19
I highly recommend Nichole and her team. They did a great job and got us a much better rate than the bank we've been using for over 12 years. We got a mailer from her urging us to compare her rates to our bank and sure enough her rate was better. When we locked the rate it was even a little better than expected and as she promised there were no extra fees involved. I had a great experience and would highly recommend them for your next mortgage.read more
Brett Davis
Brett Davis
20:01 28 Feb 19
The Grand Lending team came through in crunch time and took care of everything they said they would . My life was a lot easier thanks to their hard work and dedication!
Victoria Monroe
Victoria Monroe
03:53 13 Feb 19
Nichole was very helpful and able to get me a loan with a way lower rate than everyone else I talked to. I shopped around with several lenders and I even had one tell me her rate and fees were impossible to get, that it would be changed! I stayed with her and she showed me proof of the locked rate and I was able to close my loan with ease! Her assistant Brian was very informative and helped me along the way. I would highly recommend using this company if you are selling a house, buying a house or just refinancing a loan!read more
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Refinance Your Home Now

Refinance your home loan now and look forward to saving money and enjoying greater ease and convenience managing your mortgage. Please call us today at (800) 293-2133 to schedule your mortgage refinance consultation. We work with customers to refinance in California, New York, Illinois, Florida, Texas and all 50 states.

Get Pre-approved today!