Buy a Home
Refinance
Calculators
Get Pre-Approved Schedule a Call Call (941) 500-4064
Refinance

Refinance into a better loan.

Lower your rate, shorten your term, drop mortgage insurance or turn equity into cash.

Why start here

An iron-clad pre-approval, at no cost.

What makes us different: our pre-approval process starts with a soft credit check, and we fully underwrite every pre-approval to the guidelines of your specific loan program.

  • Soft credit check only, no impact to your score
  • Fully underwritten to your loan program's guidelines
  • No cost, no obligation
  • A real person, not a call center
Rick VegaSr. Mortgage Broker & Advisor · NMLS #1492084

Prefer to talk? Call (941) 500-4064 or schedule a call.

0%

Select a loan type

Select property type

What is the property use?

How is your credit?

Have you already found a home?

Purchase price

$
$70,000$2,000,000

Down payment

%
0%25%

Military service?

You expect to buy within?

First time home buyer?

Bankruptcy in the last 7 years?

Annual household income?

$
$0$250,000+

Monthly debt payments

$
$0$10,000

Employment status

Loan purpose

Property value

$
$30,000$2,000,000

1st mortgage balance

$
$30,000$2,000,000

1st mortgage interest rate

%

Do you have a 2nd mortgage?

2nd mortgage balance

$
$0$1,000,000

2nd mortgage interest rate

%

Any late mortgage payments?

Any foreclosure in the last 7 years?

Do you currently have an FHA loan?

Property zip (optional)

Property address

Tell us about yourself

You're on your way!

Rick will review your answers and reach out shortly. Want to keep going? Start your secure application now.

Refinance calculator

Is now the right time?

See your new payment, monthly savings and break-even point.

$
%
yrs
%
New term
$
Monthly savings
$0
Current payment (P&I)$0
New payment (P&I)$0
Break-even
Lifetime difference$0

Send these numbers to Rick

Principal & interest only. A shorter or longer new term changes total interest paid.

Lower your rate

Reduce your monthly payment and total interest paid over the life of the loan.

Cash-out refinance

Use your equity for renovations, tuition, debt consolidation or your next investment.

Shorten your term

Move from a 30-year to a 15- or 20-year loan and own your home sooner.

Remove mortgage insurance

Built equity? Refinancing may let you drop PMI or FHA mortgage insurance.

FHA & VA streamline

Faster refinances with reduced paperwork for existing FHA and VA loans.

ARM to fixed

Trade an adjustable rate for a predictable fixed payment.

Ready when you are.

Get a fully underwritten pre-approval with only a soft credit check, at no cost to you.

Call ScheduleGet Pre-Approved