Put your loan
back to work.

Lower your payments

A rate-and-term refinance replaces your current loan with a new one, usually to reduce your monthly payment or move to a more stable term. It only pays off if the savings outrun the cost of doing it, so MaryAnn shows you the break-even point before you decide.

Pay off faster

Refinancing into a shorter term can help you own your home sooner and pay less interest over the life of the loan. The monthly payment is often higher, and MaryAnn will lay out that trade-off plainly so you can see whether it fits your budget.

Take cash out

A cash-out refinance lets you borrow against the equity you have built and use the funds for renovations, debt, or another goal. It increases your loan balance, so the conversation starts with whether the reason justifies the cost.

Consumer refinance options for a home you live in are available in Florida, where Ease Mortgage is licensed by the Florida Office of Financial Regulation. Refinancing may extend your term, increase total interest paid, or change your monthly payment; all approvals are conditional and subject to lender review.

Refinancing a home you live in

If the property is your primary residence or second home in Florida, rate-and-term and cash-out refinances follow standard consumer guidelines, with every cost disclosed up front. This is the path for lowering a payment, shortening a term, or tapping equity on the home you occupy.

Refinancing an investment property

If the property is a rental held for business purposes, a DSCR refinance can qualify on the income the property produces rather than your personal tax returns, and it can close in an LLC. Business-purpose investor loans are available in most states. See the DSCR page for how it works.

DSCR refinance details  →

DSCR and other investor programs are business-purpose loans secured by non-owner-occupied property; they are not consumer credit and are not available for a home you intend to occupy. Program availability varies by state.