Refinance
Lower your rate or access cash from equity
Refinancing replaces your current mortgage with a new one — often at a lower rate, shorter term, or with cash taken out of your equity. Whether you want to reduce your monthly payment or tap into your home's value, we'll help you find the right fit.
Key Features
- Lower your monthly payment
- Shorten your loan term
- Switch from an ARM to a fixed rate
- Cash-out to consolidate debt or fund projects
Who Is This For?
Homeowners who want to lower their rate, change their term, or access equity.
How It Works
Three steps from your first question to keys in hand.
Apply in minutes
Answer a few simple questions online — no credit check to get started.
We review your file
A licensed loan officer reviews your goals and matches you to the right program.
Close on your home
Sign your docs and get the keys — we handle the paperwork and lender coordination.
What You'll Need
A few basics get the ball rolling. Your loan officer will walk you through anything specific to the Refinance program.
Start My Pre-Approval- Government-issued photo ID
- Two most recent pay stubs or proof of income
- Last two years of W-2s or tax returns
- Two months of bank statements
- Property information (if you have a home in mind)
Frequently Asked
Answers to the questions we hear most about the Refinance program.
Do I need perfect credit to qualify?+
No. We work with a wide range of credit profiles and will help you find the right program for your situation — even if you've had bumps along the way.
How long does the pre-approval take?+
Most clients get pre-approved within 24 hours. The initial online form takes about 10 minutes to complete.
Is there a fee to apply?+
Applying and getting pre-approved is completely free. There's no obligation, and we never run a hard credit check until you're ready to move forward.
Can I lock my rate?+
Yes. Once you have an accepted offer, we can lock your rate to protect you from market swings while your loan is in underwriting.
Ready to Get Started?
Get pre-approved for a Refinance loan in minutes. No credit check, 100% free, no obligation.
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Zoom Home Lending, LLC — NMLS #2620616