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At Freedom Mortgage, we can help you lower your rate and payment by refinancing your home. We can also help you get cash from your home’s equity with cash out refinances and HELOCs.

Our experienced loan advisors work with you every step of the way to make refinancing your home simpler!

FHA Streamline Refinances

Lower rates and payments
Only FHA homeowners eligible
Less paperwork, faster closings
Mortgage insurance required
No funding fee

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VA Streamline Refinances (IRRRLs)

Lower rates and payments
Only VA homeowners eligible
Less paperwork, faster closings
No mortgage insurance
Funding fee required

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USDA Streamline Refinances

Lower rates and payments
Only USDA homeowners eligible
Less paperwork, faster closings
No mortgage insurance
Guarantee fees required

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Conventional Refinances

Lower rates and payments
All homeowners eligible
More paperwork, slower closings
No mortgage insurance with at least 20% equity
No funding fee

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FHA Cash Out Refinances

Get cash from equity as a lump sum
All homeowners eligible
Minimum credit score often 550
Mortgage insurance required
No funding fee

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VA Cash Out Refinances

Get cash from equity as a lump sum
Only Veterans, active-duty personnel, surviving spouses eligible
Minimum credit score often 550
No mortgage insurance
Funding fee required

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Conventional Cash Out Refinances

Get cash from equity as a lump sum
All homeowners eligible
Minimum credit score often 620
No mortgage insurance with at least 20% equity
No funding fee

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Home Equity Lines of Credit (HELOCs)

Get cash from equity
All loan types eligible
Keep your current mortgage
Faster application and closings
No mortgage insurance

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The Right Loans to Reach Your Goals

At a Glance: How to Refinance a Mortgage

Step 1
Choose Your
Goal Step 2
Check the Numbers

Step 2
Check the Numbers Step 3
Apply for a
Loan

Step 3
Apply for a
Loan Step 4
Close Your
Loan

Step 4
Close Your
Loan Step 1
Choose Your
Goal

Choose Your Goal

When you refinance, you can lower your rate and monthly payment, get cash from your home’s equity, switch from an adjustable-rate to a fixed-rate loan, and change other terms on your mortgage. Decide which goals are right for you!

Couple planning their refinance goals at home

Check the Numbers

When you want to lower your payment, use our refinance calculator to estimate how much you might save. When you want to tap into your equity, use our cash out calculator to estimate how much cash you might get.

Apply for a Loan

Our loan advisors can help you choose the right loan for you and help you complete your application. When you want to refinance an FHA or a VA loan, the streamline program can help you lower your payment with less paperwork and a faster closing.

Working with a loan advisor on a mortgage application

Close Your Loan

Once your application has been completed, you’ll need to meet our credit, income, and financial standards to get approved. Once you’ve been approved, you’ll need to attend the closing and sign documents to get your lower rate or cash from your home’s equity.

Mortgage closing and signing loan documents

About-Freedom-Mortgage

Home to 3 Million Mortgages

Freedom Mortgage makes homeownership possible for everyone. We’re one of the nation’s top mortgage lenders and servicers* with more than 3 million customers.

Founded in 1990 by Stanley C. Middleman, Freedom Mortgage was created by a family—for families. We’re committed to helping our customers find homes, because home is your launchpad and legacy. We’re grounded in hard work, integrity, and genuine care for our customers.

Our experienced loan advisors can help you find affordable loans for buying homes, opportunities for lowering your rate and payment, and options for getting cash from your home’s equity.

Learn More About Us