Refinance

Refinance Your Home Loan with Confidence

Lower Your Monthly Payments & Save More

Refinancing your home loan with First Finance Lending is a smart way to reduce your monthly payments, shorten your loan term, or tap into your home’s equity. Our team of experts will guide you through the process, ensuring you get the most out of your refinance.

Home Refinance Programs

Choose the mortgage refinance program you want, and a loan expert will get in touch with you.

Conventional Refinance Loans

Refinance your existing mortgage with a conventional loan to lower your rate or adjust your loan term, ideal for those with strong credit and equity.

FHA Refinance Loans

FHA refinance options offer flexibility for homeowners with lower credit scores, helping you reduce payments or switch to better loan terms.

VA Refinance Loans

Eligible veterans and service members can use VA refinance loans to secure lower rates or cash out equity with no down payment required.

Jumbo Refinance Loans

Refinance high-value homes that exceed conventional loan limits with a jumbo loan, designed for those looking to adjust their large mortgage.

Adjustable-Rate Mortgages Refinance (ARMs)

Refinance into an ARM to start with a lower interest rate, which adjusts after an initial fixed period, perfect for those planning to move or refinance again soon.

USDA Refinance Loans

USDA refinance loans offer affordable refinancing options for rural homeowners, often with no down payment and favorable terms.

Interest-Only Loans Refinance

Refinance into an interest-only loan to pay just the interest for a set period, offering lower initial payments for homeowners with evolving financial needs.

Fixed-Rate Mortgages Refinance

Secure a stable interest rate with a fixed-rate refinance, ensuring predictable payments for the life of the loan.

Start Saving with a Refinance Today

Refinancing your mortgage could lead to significant savings and financial flexibility. Let our team at First Finance Lending show you how easy it can be to lower your payments or shorten your loan term.

Why Refinancing is Important

How We Help You with Your Home Loan Refinance

At First Finance Lending, we take the stress out of refinancing by offering personalized service every step of the way. Our team will assess your current loan situation, discuss your financial goals, and help you choose the refinance option that best suits your needs. We handle all the details, so you can focus on enjoying the benefits of your new loan terms.

Home Refinance FAQ's

How much can I save by refinancing my mortgage?

The amount you can save depends on factors like your current interest rate, the new interest rate, and the remaining term on your loan. Our team can help you calculate potential savings.

What are the costs associated with refinancing?

Refinancing typically involves closing costs, including appraisal fees, title insurance, and origination fees. We’ll provide a clear breakdown of these costs upfront.

How long does the refinance process take?

The refinance process usually takes 30-45 days, depending on the complexity of your application and the required documentation.

Can I refinance if my home value has decreased?

Programs like FHA Streamline Refinance and HARP may allow you to refinance even if your home’s value has decreased.

Is it worth refinancing if I plan to move soon?

It depends on how soon you plan to move and the refinancing costs. Based on your timeline, we can help you figure out if refinancing is beneficial.

Let Us Help You Find the Perfect Refinance Program

Whether you’re buying a new home or refinancing an existing mortgage, First Finance Lending is here to guide you through the process with expert advice and personalized service. Take the first step toward your homeownership goals today.