Before anything else, we run the numbers with you. If refinancing makes sense, we move fast. If it doesn't, we tell you that too and explain when it will.
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David walked us through the whole refinance process and made it way less complicated than we thought it would be. Got our rate locked in and our monthly payment came down more than we were expecting. It was great working with them!
Rosanna S.We had no idea what we were doing going into this and David made it so much less intimidating than we thought. He explained everything in a way that actually made sense and never made us feel rushed. Genuinely grateful we got matched with him at Bedrock!!
Anyelica H.We calculate your break-even point, your monthly savings, and your new rate before you sign anything. If it doesn't make sense today, we give you the number to watch and tell you when to call back.
The rate we quote on day one is the rate you close at. No broker markup, no bait-and-switch.
Funding from our own capital means no waiting on a third-party bank to wire funds. Your new payment kicks in the following month.
Drop your interest rate and reduce your monthly payment. The most straightforward refinance we offer.
→Pull up to 80% LTV at mortgage rates, not credit card rates. Fund renovations, investments, or anything.
→Best rates for W-2 borrowers with strong credit. Eliminate PMI or shorten your loan term.
→Already have an FHA loan? FHA Streamline can lower your rate with minimal documentation and no appraisal.
→We need your current rate, loan balance, and an estimate of your home's value. From there we can show you what rate you'd qualify for today and what your monthly savings would look like.
Once you decide to move forward, we lock your rate and start collecting the documents needed to process. Your loan officer handles the appraisal order and title work.
We order the appraisal and run processing at the same time so nothing is waiting on anything else. Florida values have moved considerably, and a higher appraised value can improve your loan-to-value ratio.
Refinancing closes in one signing, usually about 45 minutes. Your new payment starts the following month. Average time from application to funded is 21 days.
Generally, if you can reduce your rate by 0.5% or more, refinancing makes financial sense. We'll calculate your break-even point so you know exactly when savings outweigh closing costs.
Closing costs typically range from 2–5% of your loan amount, covering appraisal, title, and lender fees. You can roll these costs into your new loan or pay them upfront.
Our average refinance closes in 21 days. Timeline depends on appraisal scheduling and document turnaround. We keep you updated throughout.
Yes. You can still refinance with less than 20% equity, though you may need to pay PMI depending on the loan type. Rate-and-term refinances generally have more flexibility on equity than cash-out refinances.
Not unless you choose a new 30-year term. You can refinance into a 15, 20, or 30-year term, whichever fits your goals. Some borrowers refinance into a shorter term to pay off their home faster without extending it.
Yes. If you're a few years into a 30-year loan, you can refinance into a shorter term that matches your remaining years, locking in a lower rate without adding time back onto your mortgage.