Refinance your home to meet your needs. See your special refinance rate!
What are the benefits of mortgage refinancing?
Using Your Home Equity
Access up to 80% of your home value with a refinance mortgage. You can use it for your home renovation, buy a car, take a vacation, or anything that meets your life goals! Find out how much refinance you can qualify now!
Refinance into a lower interest rate can help you reduce cost of borrowing. We negotiate with over 20 lenders to get the lowest refinance mortgage rates. See the refinance rate you can qualify for today!
By consolidating higher interest debts into your refinance mortgage, you can lower your monthly payments. Therefore, you can pay off your debt sooner and improve your credit score. See how much monthly payments you can save using our calculator.
What is refinancing
Refinancing allows you to change the term, interest rate, and amount of your existing mortgage.
People often refinance to take advantage of a lower interest rate or to take out more cash. You can refinance up to 80% of your home value.
How to refinance
You can refinance at any time. However, refinancing before the end of your term may trigger prepayment charges.
To apply for a refinance, you also need to go through a credit check and get an appraisal for your home.
What is a renewal
Renewing your mortgage means selecting a new mortgage when your existing term is up. You can reset your interest rate, term, and amount. Although most people keep the mortgage amount the same, you can also choose to increase your mortgage amount at renewal.
How to renewal
The renewal process is relatively simple. You do not need to pay any prepayment charges at the time of renewal. You can choose to stay with the same lender. You are also free to shop for a better rate and term by using a mortgage broker.
9 Things to Know before Refinancing Your Home
When should you refinance your mortgage? Is refinancing right for you? What are the top five reasons to refinance? How much refinance mortgage can you qualify for? Your questions answered in our Mortgage Refinance Guide.
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Refinancing When You Have Bad Credit? We Got Options.
See how you can refinance using a 2nd Mortgage or Private Mortgage when you have bad credit, or bank declines. We are digital and Direct-to-Consumer so more saving goes to you. We have access to the most competitive private lenders. Let us help you get approved fast with the lowest refinancing rates.
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Why Refinance with Effortless Mortgage?
At Effortless, we compare your refinance options among 20+ lenders to get the lowest refinance rates. We give you the lowest rates right away. We don't play games.
Our experienced mortgage brokers have helped countless happy customers. We not only help you make well-informed refinance and renew decisions, but also tailor our refinance advice based on your specific needs.
Hassle Free Experience
Our digitally enabled refinance application is simple and transparent. We keep you updated every step along your refinance journey. We don't have any hidden fees, so you can sit back and relax.