# Refi.com

> Refi.com helps homeowners make smart moves with their mortgage — whether that's lowering their monthly payment, tapping home equity, or hitting a big financial goal. Refi.com connects borrowers with mortgage experts and provides guidance, flexible loan options, and tools built around their goals. Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners, and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Operated by Mortgage Research Center, LLC (NMLS #1907). Not available in AZ, NY, NV, NJ, or UT.

Key terms: mortgage refinance, refinancing, cash-out refinance, rate-and-term refinance, HELOC, home equity loan, home equity agreement, HEA, FHA refinance, VA refinance, USDA refinance, streamline refinance, IRRRL, refinance rates

## Refinancing
- [Mortgage Refinancing Overview](https://www.refi.com/learn/mortgage-refinancing/): Comprehensive guide to how refinancing works, when it makes sense, loan types, costs, and the full process from application to closing.
- [When to Refinance](https://www.refi.com/learn/when-to-refinance-mortgage-loan/): Guidance on identifying the right time to refinance, including rate thresholds, break-even points, and common financial scenarios.
- [Refinance Process](https://www.refi.com/learn/refinance-process/): Step-by-step walkthrough of the mortgage refinance process from application through closing.
- [Refinance Rates](https://www.refi.com/learn/refinance-rates/): Current mortgage refinance rates with context on rate trends and how lender pricing works.
- [Rate-and-Term Refinance](https://www.refi.com/learn/rate-and-term-refinance/): How rate-and-term refinancing works, when it makes sense, and how it differs from a cash-out refinance.
- [How Long Does Refinancing Take?](https://www.refi.com/learn/how-long-does-mortgage-refinancing-take/): Timeline breakdown of each stage in the refinance process and factors that can speed up or delay closing.
- [How Much Equity Do You Need to Refinance?](https://www.refi.com/learn/how-much-equity-do-you-need-to-refinance-your-mortgage/): Equity and LTV requirements for rate-and-term and cash-out refinances by loan type.
- [Refinance With Bad Credit](https://www.refi.com/learn/refinance-mortgage-loan-bad-credit/): Options and lender requirements for refinancing with a low credit score.
- [No-Cost Refinance](https://www.refi.com/learn/no-cost-refinance/): How no-cost refinancing works, how lenders roll closing costs into the loan, and when it is or isn't a good deal.
- [Pros and Cons of Refinancing](https://www.refi.com/learn/pros-and-cons-refinancing-mortgage/): Balanced guide to the benefits and downsides of refinancing a mortgage.
- [Is It Worth Refinancing for 1%?](https://www.refi.com/learn/worth-refinancing-mortgage-for-1-percent/): Analysis of whether a 1% rate reduction justifies the cost and effort of refinancing.

## Cash-Out Refinance
- [How Does a Cash-Out Refinance Work?](https://www.refi.com/learn/how-does-cash-out-refinance-work/): Comprehensive explainer on cash-out refinancing, how equity is converted to cash, costs, and common use cases.
- [Cash-Out Refinance vs. HELOC](https://www.refi.com/learn/cash-out-refinance-vs-heloc/): Side-by-side comparison of cash-out refinancing and a home equity line of credit.
- [Cash-Out Refinance vs. Home Equity Loan](https://www.refi.com/learn/cash-out-refinance-vs-home-equity-loan/): Comparison of cash-out refinancing vs. a second mortgage home equity loan.
- [Cash-Out Refinance Tax Implications](https://www.refi.com/learn/cash-out-refinance-tax-implications/): Tax rules around cash-out refinance proceeds, including when interest may or may not be deductible.
- [Cash-Out Refinance on an Investment Property](https://www.refi.com/learn/cash-out-refinance-investment-property/): Eligibility, equity requirements, and rate considerations for cash-out refis on rental properties.
- [Debt Consolidation via Cash-Out Refinance](https://www.refi.com/learn/debt-consolidation-mortgage-refinance/): Using cash-out refinancing to pay off high-interest debt and consolidate payments.
- [Why It's Hard to Get a Cash-Out Refi in Texas](https://www.refi.com/learn/why-its-hard-to-get-cash-out-refi-in-texas/): Texas constitutional rules that create stricter limitations on cash-out mortgage refinancing.

## Home Equity: HELOC & Home Equity Loans
- [HELOC Explained](https://www.refi.com/learn/home-equity-line-of-credit-heloc-loans-explained/): Comprehensive guide to how a home equity line of credit works, including draw periods, repayment, and rates.
- [HELOC Pros and Cons](https://www.refi.com/learn/heloc-pros-and-cons/): Advantages and disadvantages of a HELOC compared to other home equity and refinance options.
- [How Much Equity Do You Need for a HELOC?](https://www.refi.com/learn/how-much-equity-needed-for-heloc/): Minimum equity and LTV requirements to qualify for a HELOC.
- [What Is a Home Equity Loan?](https://www.refi.com/learn/what-is-home-equity-loan/): Overview of how home equity loans work, how they differ from HELOCs, and typical terms.
- [HELOC vs. Home Equity Loan](https://www.refi.com/learn/heloc-vs-home-equity-loan/): Side-by-side comparison of a revolving HELOC and a lump-sum home equity loan.
- [Refi, HELOC, or Home Equity Loan: How to Tap Your Equity](https://www.refi.com/learn/refi-heloc-or-home-equity-loan-how-to-tap-your-equity/): Guide to choosing among the three main equity-access options based on your goals and financial profile.
- [What Is a Home Equity Agreement?](https://www.refi.com/learn/home-equity-agreement/): Overview of home equity agreements (HEAs) as an alternative to loans for accessing equity without monthly payments.

## FHA Loans & Refinancing
- [FHA Loan Refinance Overview](https://www.refi.com/learn/fha-loan-refinance/): Complete guide to refinancing an FHA loan, including streamline and cash-out options.
- [FHA Streamline Refinance](https://www.refi.com/learn/fha-streamline-refinance/): How the FHA Streamline Refinance works, eligibility requirements, costs, and how to apply.
- [FHA Cash-Out Refinance](https://www.refi.com/learn/fha-cash-out-refinance/): How the FHA cash-out refinance works, maximum LTV limits, credit requirements, and MIP considerations.
- [FHA to Conventional Refinance](https://www.refi.com/learn/fha-to-conventional-refinance/): How and when to refinance out of an FHA loan into a conventional mortgage to eliminate MIP.
- [Remove FHA Mortgage Insurance](https://www.refi.com/learn/remove-fha-mortgage-insurance/): How to get rid of FHA mortgage insurance premiums through refinancing or loan paydown.
- [How Soon Can You Refinance an FHA Loan?](https://www.refi.com/learn/how-soon-can-you-refinance-fha-loan/): Seasoning requirements and waiting periods before refinancing an FHA loan.

## VA Loans & Refinancing
- [VA Refinance Overview](https://www.refi.com/learn/refinance-va-loan/): Complete guide to VA refinance options, including the IRRRL and VA cash-out refinance.
- [VA Streamline Refinance (IRRRL)](https://www.refi.com/learn/va-streamline-refinance-irrrl/): How the VA Interest Rate Reduction Refinance Loan works, eligibility, costs, and what to expect.
- [VA Cash-Out Refinance](https://www.refi.com/learn/va-cash-out-refinancing/): How VA-eligible borrowers can access home equity with a VA cash-out refinance, including LTV limits and fees.
- [VA Refinance Rates](https://www.refi.com/learn/va-refinance-rates/): Current VA refinance rates and how they compare to conventional refinance pricing.
- [VA Refinance Scams: How to Avoid Them](https://www.refi.com/learn/va-refinance-scams-how-to-avoid/): How to identify and avoid predatory refinance solicitations targeting VA borrowers.

## USDA Refinancing
- [3 Types of USDA Refinances](https://www.refi.com/learn/3-types-of-usda-refinances/): Overview of the USDA Streamlined-Assist, Streamlined, and Non-Streamlined refinance programs.
- [USDA Streamline Refinance](https://www.refi.com/learn/usda-streamline-refinance/): How the USDA Streamlined-Assist Refinance works, eligibility, and documentation requirements.

## Calculators & Tools
- [All Calculators](https://www.refi.com/calculator/): Full library of mortgage and home equity calculators.
- [Refinance Calculator](https://www.refi.com/calculator/refinance-calculator/): Calculates potential monthly savings, interest costs, and break-even timeline for a mortgage refinance.
- [Refinance Break-Even Calculator](https://www.refi.com/calculator/refinance-breakeven-calculator/): Determines how many months it takes to recoup refinance closing costs through monthly payment savings.
- [HELOC Calculator](https://www.refi.com/calculator/home-equity-line-of-credit-calculator/): Estimates how much you may be able to borrow through a HELOC based on home value and mortgage balance.
- [Home Equity Loan Calculator](https://www.refi.com/calculator/home-equity-loans/): Calculates estimated home equity loan amounts and monthly payments.
- [Mortgage Required Income Calculator](https://www.refi.com/calculator/mortgage-required-income-calculator/): Determines the minimum gross income needed to qualify for a given mortgage payment.
- [Amortization Calculator](https://www.refi.com/calculator/amortization-calculator/): Generates a full amortization schedule showing principal, interest, and remaining balance for each payment.
- [Mortgage PITI Calculator](https://www.refi.com/calculator/mortgage-loan-calculator-piti/): Calculates total monthly mortgage payment including principal, interest, taxes, and insurance.
- [Rent vs. Buy Calculator](https://www.refi.com/calculator/rent-buy-calculator/): Compares the long-term financial outcomes of renting vs. buying based on your inputs.

## Getting Started & Contact
- [Start a Refinance](https://www.refi.com/start/): Begin the refinance application process online.
- [Lower My Rate](https://www.refi.com/lower-my-rate/): Explore rate-and-term refinance options to reduce your monthly payment or shorten your loan term.
- [Tap Home Equity](https://www.refi.com/tap-home-equity/): Overview of home equity products including cash-out refinance, HELOC, home equity loans, and HEAs.
- [Contact](https://www.refi.com/contact/): Reach Refi.com by phone at 1-833-609-0913 or online.

## About & Legal
- [About Refi.com](https://www.refi.com/about/): Mission, loan products, and team overview for Refi.com.
- [Editorial Standards](https://www.refi.com/editorial-standards/): Refi.com's content accuracy and editorial independence policies.
- [Fair Lending](https://www.refi.com/fair-lending/): Refi.com's commitment to fair and equitable lending practices under ECOA and the Fair Housing Act.
- [Disclaimer](https://www.refi.com/disclaimer/): Legal disclosures, licensing information, and limitations on the use of Refi.com content.

## Optional
- [Learn Hub](https://www.refi.com/learn/): Full archive of Refi.com educational articles and guides.
- [Sitemap Index](https://www.refi.com/sitemap_index.xml)