Refinancing Home Loans

Refinancing is one of our specialties.

Save Money With Home Loan Refinancing

There are several reasons to refinance your home, such as lowering interest rates, cashing out equity in your home, or changing loan types (FHA to conventional). It’s a common process, but not all refinancing options are created equal. We’re home loan experts that will walk with you every step of the way.

Your Refinaincing Guide

Is refinancing right for you?

Purpose, Flexibility,
& Timing.

If you already have a home loan and want to save money, free up cash, or consolidate mortgages, a refinance is for you. It’s the perfect opportunity to change your mortgage structure or program to fit your current needs.

Through refinancing, you may be able to:

  • Lower your interest rate;
  • Cash out some of the equity you've acquired over time through making principle payments or home appreciation;
  • Change the term (years to repay) of your loan;
  • Change loan products (FHA to Conventional, ARM to Fixed)

Money, Terms,
Cash Out, Consolidate

Save Money

Interest rates may be lower than what you are currently paying, or you may not need to mortgage insurance any longer as you accrued 22% equity.

Change Terms

Your financial situation may have changed since your initial loan. You may need to extend your loan to 30 years to reduce your monthly payment amount, or perhaps reduce your loan term if you can afford higher payments with the goal of paying off the loan sooner. 

Get Cash

Refinancing can free up cash for you to work on your home, pay off some debt, or fund a purchase.

Consolidate Debt

You can roll two home loans – or a HELOC – into one during a refinance, simplifying your finances.

IRRRL (VA Loans)

Interest Rate Reduction
Refinance Loan

If you have an existing VA-backed home loan and you want to reduce your monthly mortgage payments—or make your payments more stable—an interest rate reduction refinance loan (IRRRL) may be right for you. Refinancing lets you replace your current loan with a new one under different terms. Talk to us about your options. 

Refinancing FAQs

Why Choose Old Town Lending

You have many lending options; however, you owe it to yourself to learn why
Old Town Lending may be the better option.


Customer Service

Never left wondering. Receive concierge-level service from application to pre-qualification to closing of escrow. Empowering you is our goal.


Rapid Response

Don't let that perfect home slip away. You need a pre-approval and loan right away, and you have came to the right place. We are real estate brokers too, we understand.


Save Money

Mortgage brokers have access to wholesale rates, which are much cheaper than retail bank rates, ultimately meaning a lower monthly mortgage payment.


Personal & Local

No longer are you just a number lost in the shuffle of big banks. Located in your home state, you will be guided each step of the way.


Right Fit from the Start

With our endless lending programs, we will find the right loan and best terms for you. Think of it as a completely customizable experience.


Experience You'd Expect

When working with a broker in real estate and mortgage, you are sure to receive a well-rounded client-centered experience you'd come to expect.

Helping You Buy on Your Own Terms

You owe it to your self to explore our hassle-free mortgage options at low and affordable rates.