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    Why should I consider a mortgage refinance?

    Refinancing your mortgage can benefit you in several ways:

    • Access cash for other purposes: A mortgage refinance allows you to tap into your home's equity (the difference between what you owe on your home and what it's worth) to pay for home renovations, repairs, pay down other debts, or just have cash on hand.
    • Lower monthly payment & rate: If rates are lower than when you first bought your home, you could refinance your mortgage to a lower interest rate and save even more each month.
    • Shorter loan term: A mortgage refinance loan can be shorter than your existing loan, allowing you to pay it off faster and reduce your monthly payments.

    Ready to refinance? Mr. Cooper® has a team of licensed professionals to guide you through your refinancing options.

    Refinance your mortgage your way

    You may be able to refinance into many types of mortgages, including conventional, FHA, and VA loans, as long as you meet the requirements. If you have some big expenses on the horizon, you may consider options that allow you to get cash from the equity you have in your home. There are also refinancing options specifically for homeowners with FHA or VA loans. Here are just a few options to consider.


    Cash-out refinance

    FHA streamline loan

    VA IRRRL (Interest Rate Reduction Refinance Loan)

    Frequently asked questions about home refinancing

    When is a good time to refinance my mortgage?

    What do I need to refinance my home mortgage?

    How long does it take to refinance a mortgage?

    Unlock your home's value with a mortgage refinance

    Get startedOr, call 1-888-315-1149