Refinance your mortgage and unlock better terms

Complete your online application quickly. Reduce your rate, lower monthly payments, or tap into your home equity.

Flexible solutions
Easy, stress-free closing

Complete your application, compare options, and secure your rate — entirely online

Quick digital application

Our intelligent application adapts to your situation and minimizes unnecessary questions — complete the process in under 10 minutes.

Specialized loan programs

When conventional loans don't fit your needs, we offer alternative solutions — including bank statement loans for business owners and DSCR programs for real estate investors.

Fast closing timeline

Our streamlined process keeps you informed with minimal back-and-forth communication — allowing you to close in as little as 14 days.

Specialized programs increase your approval chances

Entrepreneurs & independent contractors

Our bank statement loan programs use your deposit history for qualification — eliminating the need for tax returns and W2s. Perfect for business owners and independent workers with variable income and business deductions.

Learn more about self-employed loans

Real estate investors

Our investor-specific application is designed for your unique needs. Access specialized financing options including DSCR, short-term rental, multi-family, and portfolio loans to maximize your investment returns.

Learn more about investor loans

Refinance success stories

Reduced monthly payment by $380

Lowered our rate from 6.5% to 5.875%. The entire process was completed in under a month and we're now saving over $4,500 annually. The team handled everything smoothly and professionally!

Jennifer & David W. Tampa, FL

Incredibly efficient closing

Completed a cash-out refinance for home renovations and closed in just 16 days! The Bedrock team provided constant updates throughout the process. Best mortgage experience I've had — highly recommended!

Kevin P. Miami, FL

Competitive rates and service

Compared rates from three lenders and Bedrock offered the most competitive option. The online application was user-friendly, and my loan officer was responsive throughout. Cut my monthly payment by $250!

Angela M. Fort Lauderdale, FL

Begin your refinance application today