Refinancing
Refinancing can feel more complicated than buying a home — and for good reason. When you purchase, timelines and steps are mostly set.
But with refinancing, you control when to move forward — and that flexibility creates a lot of options. Should you lower your rate? Tap into equity? Drop PMI? Shorten your term? The choices can feel overwhelming, especially when the timing isn’t urgent.
That’s why our focus isn’t on just closing a deal. It’s about helping you understand your options, explore what’s best for your goals, and move forward when the time is truly right for you.
We're here to guide you through it — clearly, confidently, and without pressure.
Know your targets
The first step to refinancing your mortgage is understanding your goals. Are you planning to switch from an FHA loan to a Conventional loan? Do you want to keep your current mortgage balance the same—or roll your refinance costs into the new loan? And most importantly, do you know your "strike rate?"
A strike rate is the specific mortgage interest rate that you would consider ideal or worth locking in. Think of it as your personal “target rate” — the point at which refinancing finally makes sense. In most cases, we find it smart to set your strike rate at least 1% lower than your current interest rate. Ideally without having to pay additional points to buy the rate down.
By setting a strike rate, you can monitor the market and reach out when rates drop close to your target, helping you stay ready to act at the right time.
Monitor Mortgage Rates
Once you understand your financial goals and have a strike rate in mind, the next step is to monitor where mortgage rates are trending—anytime, anywhere.
This tracker gives you a general snapshot of current market conditions and how close we are to your personal strike rate.
While these rates aren’t guaranteed, this tool is a valuable way to stay informed about how rates are trending and decide when it might be time to take action.
Want to stay ahead of the market? Join our Refi Watchlist or Schedule a Strategy Call to be ready when the time is right.
Strike
When your strike rate is within range, it might be time to take action. This would be a great time to start looking into your refinance options.
You can even submit your application so we can begin preparing the underwriting and processing in the background.
We’ll hold your file and monitor the market—then, when your target rate hits, you’ll be ready to lock it in and strike with confidence.
Be ready when the moment comes. Start your application today.
Join our Refi Watchlist!
Wondering when it’ll be the right time to refinance? Join our Refi Watchlist to stay informed as rates move. We’ll help you track when rates are approaching your personal strike rate — the point where refinancing starts to make real financial sense. When the timing looks right, we’ll reach out with a heads-up and help you understand when it’s time to get started.