Lower your rate. Reduce your payment. Keep more money every month.
Real market rates with no junk fees added on top. You actually keep the savings.
Streamlined process means faster savings. Start reducing your payment as soon as possible.
Upfront pricing on day one. No surprises, no last-minute fees at closing.
We calculate exactly when you recoup closing costs. If it doesn't make sense for you, we'll say so.
"Bought my house in 2023 at 7.2% when rates were brutal. Refinanced with Bedrock Mortgage to 6.1%, payment dropped from $2,940 to $2,587. That's $353/month, $4,236/year. Closing costs were $3,400 so I break even in 10 months. Appraisal came in $40k higher than I paid so that was a nice bonus. Closed in 19 days."
"Needed $80k for a kitchen and master bath remodel. My credit union quoted 9.8% on a HELOC. Did a cash-out refi at 6.5% instead. Went from $1,840/month to $2,285/month but that includes the $80k I pulled out. Kitchen looks incredible and the extra $445/month payment is totally worth it vs. paying 10% on a HELOC."
"Had 26 years left on my 30-year at 6.875%. Refinanced to a 15-year at 5.75%. Payment went from $2,630 to $2,847 (only $217 more per month). I'll pay off my house in 15 years instead of 26 and save $168k in interest. Ran the numbers like 50 times before pulling the trigger. Best financial decision of my life."
If current rates are 0.5% or more below your existing rate, refinancing likely makes sense. Even small rate drops can save thousands.
Better credit can qualify you for lower rates. If your score has increased significantly since you bought, you may save big.
Home equity is the cheapest way to borrow. Cash-out refinancing beats personal loans or HELOCs for major expenses.
Switching to a shorter term means you'll own your home sooner and pay far less interest, even if monthly payments rise slightly.
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 the savings outweigh closing costs.
Closing costs typically range from 2-5% of your loan amount. This includes 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. The timeline depends on appraisal scheduling and how quickly you provide documentation. We keep you updated throughout the process.
Get a personalized rate quote in minutes. No credit impact
until you're ready to move forward.