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Just a quick note: The process for a home purchase is the same, generally, but also different read about the Home Purchase process to learn more.

1) Naturally, talking to our mortgage advisors is the best 1st step in determining many of the factors leading to a refinance decision. Just so you know, we will never talk you into a mortgage that has no benefit for you. We never have and never will recommend a mortgage solution that leaves hidden traps a year or more down the line. Quite the contrary, we will review your current financial picture and your financial goals and plans to make sure that the mortgage options we recommend will help you achieve your dreams faster.
We are focused on building a life long relationship for the benefit of you and your family and not the quick buck. If you aren't ready to talk to us yet, use our Calculators to find out what your payments would be, how much you can save by consolidating other debts, how payments change with differing mortgage terms, etc...

2) Now that you have calculated some different programs and seen some different savings possibilities, it is time to start learning about the current marketplace for mortgages. Once again, a great place to start is talking with our mortgage advisors. You'll never feel pressure to complete a new loan. If it's a good program for you it will meet your needs, solve your problems and build your future. If it does all that you'll say yes, no one has to sell anything. If it doesn't then perhaps now is not the right time for you - we'll still be here when the time is right.
We have the lowest rates and the best terms available - it all depends on your qualifications. The prescription for you, depends on the symptoms you have. The rates that are available depend on credit score, on time mortgage payment history in particular, the value of and the amount of equity you have in your home, and several other factors. Get a rate & program quote describe your situation and purpose and we will get right back to you.

3) Prequalification is a logical next step. It will let you know if you have any major road blocks in your credit history or tell you that the path is clear. However, if you are serious about some sort of refinance and want to know what your options are from a trustworthy source, move on to step 4 below.

4) You can fill out our secure Online application and not only find out if the path is clear but also find out what your options are. No matter what you may have heard, or what your experiences in the past have been, there is not just one loan for you. Nor will your loan be the same as your neighbor's, co-worker's or your Aunt's. We will put together several of the best options for you from our network of literally hundreds of lenders and loan programs. We will walk you through the benefits of each one and together choose the best loan for you. Ever had that happen?
Fill out our secure online mortgage application. It will be placed in top priority and receive immediate attention. If you complete the form overnight or over a weekend, you will hear from us the next business day. If you like your options and choose one right away, we will lay out all of the loan requirements and if you are able to provide the information the lender needs right away, you will have your new mortgage in place in less than 10 days. Our current record is 3 days!

5) This is not actually a step but rather a suggestion: Contact Us if you have any questions or if you need help with anything on this website.