What is refinancing? | Find Best Refinance Mortgage Rates with Effortless Mortgage
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Refinance. Effortlessly.

Refinance your home to meet your needs. See your special refinance rate!

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What are the benefits of mortgage refinancing?

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Mortgage
Refinancing

mortgage refinance

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.

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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.

Mortgage
Renewal

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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.

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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.

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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?

Refinance with Effortless Mortgage

Lowest Rates

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.

Refinance with Effortless Mortgage

Best Advice

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.

Refinance with Effortless Mortgage

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.

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Why refinance

Check out other mortgage options to help you get ready for mortgage refinance and renew!

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