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Based on your information, you qualify for multiple refinance options that could lower your monthly payment or access your home equity. Use the programs below to find the best fit for your financial situation.

Refinace Calculator

Compare refinance options

Did you know there are 6 refinance options available?

Many loan officers overlook low-to-moderate income refinance programs like RefiNow, Refi Possible, HomeReady, and Home Possible. These programs offer real benefits: lower interest rates, reduced mortgage insurance costs, and streamlined documentation. If your income qualifies, these programs could save you thousands over the life of your loan.

How it works: Enter your area median income, household income, monthly debt obligations, loan balance, home value, and current interest rate. The calculator then checks your eligibility across six refinance programs tailored to different financial situations. Use the Fannie/Freddie links to find the area median income.

Important: This tool provides a quick overview based on standard program requirements - it's not a final approval. Contact a loan officer for personalized guidance and to apply for refinancing.

Step 1: Area Median Income (AMI)

The midpoint household income for your county or metro area. Example: 85,000

Find your AMI: Fannie Mae | Freddie Mac

Step 2: Household Information

Example: 65,000
Auto, student, credit card, personal loans, HOA Example: 1,500

Step 3: Property Information

Example: 200,000
Example: 250,000
Yearly real estate tax amount Example: 3,600
Yearly hazard insurance premium Example: 1,800

Step 4: Current Loan Details

Example: 6.5
Example: 5.75
Example: 30
Required for PMI calculation Example: 720
Fixed or Non-Fixed (ARM)

Fannie Mae | Freddie Mac
Rate/Term Refinance
Cash-Out Refinance
Fannie Mae HomeReady
Freddie Mac Home Possible
Fannie Mae RefiNow
Freddie Mac Refi Possible