If your current mortgage rate or loan terms aren’t working for you, speak to one of our Loan Officers to see if you can get a better rate with us. Our Loan Officers will quickly be in touch to discuss some basic info, like:
Home refinance applications can seem daunting, but our team makes it painless. Once we’ve spoken to you, we can normally get you pre-approved for refinancing in under 24 hours.
Your Loan Officer will walk you through your new loan terms and potential savings, and help you choose the refinance option that makes the most sense for your goals.
They’ll keep you in the loop on your application status and timeline, and explain everything in clear, straightforward language.
With an experienced Loan Officer on your side, you can move forward with confidence. We’ll take care of the details so you can start seeing the benefits sooner.
If your current mortgage rate or loan terms aren’t working for you, speak to one of our Loan Officers to see if you can get a better rate with us.
Use our Refinance Loan Calculator to see what you can afford
At DSLD Mortgage, we offer 2 primary types of refinancing:
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Cash-Out Refinance Tap into your home’s equity to access cash for various needs, such as home improvements, debt consolidation, education expenses, or other financial goals.
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Rate-and-Term Refinance Secure a lower interest rate or adjust your loan term to potentially reduce your monthly payments and save on interest over time. This type of refinance is particularly popular when interest rates drop.
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“Our experience with DSLD Mortgage was so smooth and easy. They made the purchasing and move in process an ease for a first time homebuyer!”
“We are so grateful for everyone at DSLD! The home-building process was simple and fun, and when it came to the financial side of things, Honi helped us sort through all the loan details and was always available to answer questions. We truly appreciate all the support we received while building our dream home!”
“It was great working with all the members of DSLD Mortgage. Everyone was on point!”
“Valeria was truly the best loan officer anyone could ask for! She was very patient and willing to go the extra mile when needed. She made the whole process stress-free and very easy to understand as well!”
“I honestly couldn’t have asked for a better experience than working with Valeria Duque. Buying a home can be stressful, but she made everything feel easy and manageable from start to finish. She stayed on top of everything, kept me in the loop, and made sure nothing slipped through the cracks. Anytime I had a question, she had an answer and took the time to make sure I understood what was going on. If you’re going through the home-buying process and want someone who actually cares and gets things done right, Valeria is the one you want on your team.”
“As experienced homeowners, we can confidently say that our experience with the DSLD team has been one of the most positive we have had. During the financing stage, we worked with Jeff Miller, who was the most professional mortgage consultant we have encountered. He stayed actively engaged throughout the entire process and made sure we were informed every step of the way, which we greatly appreciated. DSLD Mortgage is doing many things right, particularly in customer care and communication. We would absolutely consider purchasing from DSLD again and look forward to seeing how they continue to evolve and improve.”
Refinancing your mortgage can be a strategic financial move for a few great reasons:
Absolutely! Refinancing to a lower interest rate or a longer loan term can often translate to reduced monthly payments, offering financial relief and flexibility.
The loan term for a refinance can be customized to align with your financial objectives. Common options include 15-year and 30-year terms, each with its own advantages and considerations.
Home equity plays a vital role in refinancing. The more equity you have in your home, the more favorable refinance terms and interest rates you may qualify for. You can calculate your home equity by subtracting your outstanding mortgage balance from your home’s current appraised value.
Yes, refinancing is within reach if you’re a proud veteran, active-duty service member, or eligible family member with a VA Loan. The VA Interest Rate Reduction Refinance Loan, affectionately known as the “IRRRL,” streamlines the process, potentially lowering your interest rate and monthly payments without the usual refinance hurdles. It’s a salute to your service, making homeownership even more affordable.
Absolutely! If you have an FHA Loan, refinancing is a viable option to potentially secure better terms and lower your monthly payments. The FHA Streamline program simplifies the process, often requiring less paperwork and potentially no appraisal. It’s a pathway to greater financial flexibility and savings, all while staying within the FHA umbrella.
The refinancing process typically involves the following steps:
While a good credit score improves your chances of securing the most favorable refinance terms, options may still be available for those with less-than-perfect credit. Our experienced Loan Officers can assess your individual situation and explore potential solutions to help you achieve your refinancing goals.
The potential savings from refinancing hinge on various factors, including your current interest rate, the new interest rate you qualify for, the loan term, and closing costs. Our Loan Officers can provide a personalized estimate tailored to your specific circumstances, helping you make an informed decision.
Yes, a cash-out refinance allows you to access a portion of your home equity as cash at closing. This cash can be used for various purposes, including debt consolidation, home improvements, education expenses, or other financial needs.
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