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Refinancing your home is a smart move.

There are many reasons to refinance your mortgage, and now is the perfect time to do it. Whether you’re looking to lower your monthly payments, consolidate debt, or remodel, Embrace makes refinancing easier than ever before. We’ll walk you through every step, helping you find a new home loan that makes the most sense (and dollars!) for you. And because we’re a direct mortgage lender, we can streamline the refinance process and help you close in weeks, not months.
Cash-Out
Cash-Out Refinancing
Explore Cash-Out Refinancing Options
Debt Consolidation
Consolidate Debt
Find a Debt Consolidation Loan
Reduce Payments
Reduce Payments
Lower My Monthly Mortgage Payments

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What does it mean to refinance my home?

Simply put, to refinance is to get a new and improved home loan. With a better rate and better terms, you can save money and take control of your finances. A mortgage with a lower interest rate allows you to lower your monthly payments and improve your monthly cash flow. A debt consolidation loan allows you to combine credit cards, auto loans, and other debt into one low monthly payment. Cash-out refinancing lets you use the equity in your home to get cash for whatever you choose.

How do I know which loan is right for me?

Our mortgage specialists are here to help you find the right loan for your situation. A 30-year fixed rate gives you lower monthly payments. A 15-year term or an adjustable rate mortgage (ARM) provides long-term financial advantages. There are also FHA, VA, and USDA loans, which provide great benefits if you qualify. Discover more about the types of loans available to you:

What can I expect during the refinance process?

At Embrace, you can get a new loan in three simple steps: apply, approve, close. Our streamlined process is that easy. Simply call or fill out our no obligation form, and you’ll be assigned to one of our mortgage specialists. This dedicated Loan Officer will guide you every step of the way from day one to closing day. And all of our Loan Officers are experts in the field, many with a decade’s worth of experience. Don’t worry, as a direct lender, we take care of every detail.

There’s no obligation, so there’s no reason not to refinance.

Call us at 800-620-6292 or fill out the form at the top of this page, and an Embrace Loan Officer will get in touch with you.

"At first, I was not sure about doing a refinance with a online vendor. However, Anthony made the experience simple and easy. He explained everything along the way and was in consent communication. He made me comfortable with the entire process, which was huge for me."
- Catherine M.
"Joe had tough job on this one. I have a very poor credit record, but he had the experience needed to help me get through the process and still walk away with a refi that I am happy with."
- Chris L.
"Kate was extremely helpful and professional during every step of my refinance process. She was extremely patient and answered all of my questions and concerns. She was always willing to go the extra mile for me. I would highly recommend to anyone looking to have a pleasant experience while refinance their home."
- John M.