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Home Refinance

When you refinance your mortgage, you are applying for a new loan. By refinancing, you are actually paying off the old loan by obtaining a new one.
Because you will be obtaining a new loan with new terms, a lender will have to obtain key information and documentation in order to verify you qualify for a refinance.

Typically the following information will be checked when you apply for refinance:

Your Credit Score and Payment History
Your Income and Employment History
Your Assets: Stock, Retirement & Savings
An Appraisal of Your Home's Current Value

Reasons Why Most People Refinance

  • To have a more stable monthly payment. Some people chose to refinance from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage in order to have a more stable and predictable monthly payment
  • To withdraw some equity from your house in the form of a cash-out refinance. The cash can be used for whatever you need.
  • To consolidate two mortgages. Some people have two mortgages or a mortgage and a HELOC. They may want to refinance both mortgages into one mortgage to simplify things To pay their loan balance down.
  • To change the term of the mortgage. Many people like to compare 15-to-30-year loan options when looking at refinancing. A 15-year loan saves a lot of interest over the life of the loan.
  • To payoff a mortgage to get rid of PMI or MIP.
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At Home Team Lending, we’re here to make your home buying or refinancing journey simple, stress-free, and tailored to you.
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© 2025 Lower, LLC is a subsidiary of Lower Holding Company. NMLS #1124061 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | equal housing lender. Licensed in 45 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 |  Massachusetts Mortgage Lender License --  MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC.

Lower, LLC is a family of companies. Lower® and its DBAs (AMSW Lending, Alderus Mortgage, AMSW Lending, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Home Team Lending, Key Mortgage Group, McCaughan Home Lending, Oxford Home Lending, lower.com, PowerTPO, Sky Mortgage Group, True Lending, Universal Lending Home Loans, Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies.

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