Loan programs

Refinance

Lower your payment, drop mortgage insurance, shorten your term or tap your equity, but only when the math makes sense.

As your lender for life, part of my job is watching your loan after closing and telling you when a refinance would actually help, and when it wouldn't.

Refinance options

Rate and term: lower your rate, change your term, or both
Remove mortgage insurance: for example, FHA to conventional once you have enough equity
Shorten your term: pay your home off years sooner
Cash-out: use your equity for renovations or to pay off higher-interest debt
VA streamline (IRRRL): a simplified refinance for existing VA loans
FHA streamline: a simplified refinance for existing FHA loans

The honest math

Every refinance has costs. I'll show you your break-even point, your total interest over the new loan, and how resetting your term affects the big picture. Read when refinancing actually makes sense.

Getting started

Send me your current loan details and I'll tell you straight whether a refinance makes sense now, or set a reminder to watch for the right time. Reach out.

Frequently asked questions

How do I know if refinancing is worth it?

Divide the total cost of the refinance by your monthly savings to find your break-even point in months. If you'll keep the home and loan well beyond that point, it can make sense.

Can I refinance from FHA to conventional?

Yes, if you have enough equity and meet conventional credit guidelines. It's a common way to remove FHA mortgage insurance.

Have questions about your situation?

One conversation, no pressure, no hard credit pull to start.

Talk with Louie

Louie Wickett, NMLS #1212160

Branch Manager and Mortgage Loan Officer at Key Mortgage Group in Urbandale, Iowa. Originating home loans since 2014, with 380+ five-star Google reviews. Licensed in Iowa, Illinois, Missouri, Kansas, Colorado, Wisconsin and Florida. More about Louie.