Lower My Rate
When Is the Right Time to Refinance Your Mortgage?
By Megan Hanna · March 4, 2024
Refi is what we do
Trusted by homeowners. Powered by pros. It's our name for a reason.
No origination fees — everybody should be able to refi.
Lower your rate and your payment
Keep more money in your pocket every month with a rate-and-term refinance designed around your goals.
Cash in on your hard work
Turn the equity you've built into a lump sum of cash with a cash-out refinance — for whatever life calls for.
Use your equity on demand
Tap your equity when you need it with a HELOC — flexible access to cash that keeps your budget moving.
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Refi for real life
Hit your financial goals
Whether it's saving monthly or funding a big plan, we build your refi around what matters to you.
Stay right on schedule
Simple online tools keep things moving so you always know exactly where your loan stands.
Work with a dedicated expert
Real human guidance from start to finish — a loan consultant who advocates for you the whole way.
No obligation — just real answers from a real person.
Homeowner Approved
More ways to refi
Compare loans and see what's right for you.
Rate & Term
- Lower your interest rate
- Shrink your monthly payment
- Adjust your loan term
Streamline
- Less paperwork required
- Faster closing process
- Great for FHA & VA loans
Cash-Out
- Get a lump sum of cash
- Fund renovations or debt
- One simple monthly payment
HELOC
- Borrow only what you need
- Flexible, revolving access
- Keep your current mortgage
Home Equity Loan
- Fixed rate, fixed payment
- One predictable lump sum
- Great for one-time projects
Looking for something else?
Smart tools at your fingertips
Estimate your savings, your cash-out potential, and your payments before you ever pick up the phone.
Your Refi Knowledge Hub
Learn what you need to know from the pros.
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Buy A Home
Lower My Rate
Refinance Rates
Tap Home Equity
Tap Home Equity
Cash-Out Refinance vs. HELOC: Which Is Right for You?
By Daniel Cohen · February 19, 2024
Refinance Rates
Refinancing to a 15-Year Term: Pros, Cons & Savings
By Sarah Sharkey · January 30, 2024
Buy A Home
First-Time Buyer? Here's What to Know Before You Refi Later
By Megan Hanna · January 12, 2024
Tap Home Equity
Using a Home Equity Loan to Fund Your Renovation
By Daniel Cohen · December 21, 2023
Refinance Rates
Rate-and-Term Refinances Explained in Plain English
By Sarah Sharkey · December 5, 2023
Your Dedicated Refi Expert
Linda Murray
Loan Consultant, loanDepot · NMLS# 1469206
Linda originates all major loan programs, but she's most recognized for mastering VA loans and helping veterans, active-duty service members, and their families navigate the process with confidence. Thorough, direct, and a relentless advocate for her clients, Linda makes refinancing feel clear, fast, and entirely in your corner.
Talk to Linda Today
Call (207) 272-0954 · No obligation, just answers.
Get the most out of your mortgage
Most homeowners are surprised by how much they could save — or unlock. See your personalized options in just a few minutes.
No origination fees · No obligation · Takes about 2 minutes.
