Refinance Your Way: Cash, Rate, or Term
/ Refinance
Discover What Refinancing Can Do for You
Refinancing your mortgage can unlock opportunities to save, simplify, and reach new goals. Whether you’re looking to lower your rate, adjust your term, or tap into your home’s equity, refinancing can help put your financial plans within reach.
- Take Cash Out: Access the equity you’ve built in your home and use it for renovations, debt consolidation, or other expenses.
- Change Your Term: Refinance to a shorter term and pay off your mortgage faster, or extend your term to lower monthly payments.
- Lower Your Rate: Secure a lower interest rate to reduce your monthly payment or save money over the life of your loan.
Benefits of Refinancing Your Mortgage with Spring EQ
Access to Cash
Use a cash-out refinance to get the funds you need.
Change Your Term
Save on interest and pay off your loan faster with a shorter term or lengthen your term and lower your monthly payments.
Lock In a Lower Rate
If rates have dropped since you originally purchased your home, refinancing could lead to substantial long-term savings.
Customize Your Loan
We have a variety of options available to help meet your needs.
Maintain One Monthly Payment
Keep things simple with one predictable payment.
Qualify with a 640 FICO
You don’t need perfect credit to refinance your mortgage.
Potential Tax Advantages
In some cases, the interest on a cash-out refinance may be tax-deductible if the funds are used for home improvements.**
Work with a Team of Experts
Get step-by-step guidance to help you find the option that works best for you.
Refinance Your Mortgage Your Way, on Your Terms
Refinancing is more than just a financial move, it’s a way to create more flexibility in your life. By lowering your monthly payment, paying off your mortgage sooner, or pulling cash out for important needs, refinancing can help you stay on track with both short-term priorities and long-term goals.
Take Cash Out
Free up funds for important milestones or unexpected expenses.
Reset Your Term
Restructure your loan to align with your changing financial goals.
Lock In a Lower Rate
Take advantage of market conditions and secure a lower rate.
Frequently Asked Questions
Homeowners usually refinance to take cash out, change their loan term, or lower their rate. Each option can offer unique financial benefits depending on your goals.
A cash-out refinance replaces your current mortgage with a new one, giving you access to a lump sum of cash from your home’s equity while adjusting your loan terms.
Yes. Refinancing allows you to adjust the length of your loan. A shorter term may help you pay off your home faster, while a longer term can lower your monthly payments.
Less than a month.
Yes. A refinance replaces your existing mortgage with a new one that has updated terms, rate, and potentially a new balance if you’re taking cash out.
/ Testimonials
Why Do Homeowners Choose Spring EQ?
See for Yourself.
Don’t just take our word for it. Hear from customers who used a Spring EQ HELOC to unlock opportunities and achieve their goals.
Robert J.
Great experience, friendly customer service. Extremely fast results.
Tina T.
I must tell you that Pat and his team have been absolutely wonderful. Friendly, knowledgeable, efficient. I am impressed. I will definitely recommend Spring EQ.
Christina D.
It was a fast, smooth process from the beginning. Everyone involved during this process was very helpful and did a great job with the timing of everything. I am pleased.
Thomas C.
Professional communication and quality service. I would recommend Spring EQ for anyone's home equity needs. They are as professional as you can get and more.
Jarred L.
Experience has been great everyone has been super patient with me and super quick on getting everything that I needed from them. Been a wonderful experience!!!! Thank you so much!!
Mary C.
Our experience was one of the best I have ever had. Everyone was very organized, quick to respond and the notary you sent to my house was the best we have ever had. I'd never hesitate to refer you to others.
/ Other Products
Explore More Home Equity Solutions
Fixed-Rate Home Equity Line of Credit (HELOC)
Combine the flexibility of a line of credit with the security of a rate that won’t change.
Variable-Rate HELOC
Get easy access to funds with a rate that changes with market conditions.
/ Awards
Don’t Just Take Our Word for It: Industry Leaders Trust Us Too.
We’re proud of the recognition we’ve earned across the industry. Check out some of the awards we’ve received.
