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Rate & Term Refinance

Shorten your term or lower rates

A Rate and Term Refinance is the refinance of only the balance you owe on other existing mortgage(s) on the subject property.

You could save thousands a year just by getting a lower rate.

"Finally decided to refinance our loan and this was the best experience. Very little hassle and great people to work with. Quick and confident. Thank you GHF, I'm going to pay of my house in 5 years !!"
Happy Global Home Finance Client

Why Rate and Term Refinancing may benefit you?

This is a good way to shorten your term, get a lower interest rate and payment, remove Mortgage Insurance, to turn an Adjustable Rate Mortgage into a fixed period mortgage, or consolidate a first and second mortgage used to purchase the home into one low fixed rate loan. If your loan is held by Fannie Mae, Freddie Mac, FHA, VA, Ginnie Mae we may be able to streamline your loan and offer you reduced documentation requirements. There is also the possibility of waiving a new appraisal and we can allow debt ratios up to 65% on some products!

You could save thousands a year just by getting a lower rate. Most of our customers are able to realize tens of thousands of dollars in savings. Some individuals clear $100,000 or more over the life of the loan in savings!

With rates near all time lows you owe it to yourself to act now. Most of the time you are able to skip a payment or two and pay off property taxes. There is no cost or obligation to find out how much you can save.

Try our mortgage calculator to see how much home you can currently afford.

Loan Features & Benefits

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Receive personalized service and respect

When you work with a small to medium sized Mortgage Broker and Bank, your Licensed Residential Mortgage Loan Originators and Mortgage Loan Processors will know you by name and will not ask for your loan number to figure out whom to transfer you to. At Global Home Finance, we pledge to work hard for you at lower cost than our competition and to treat you like a friend when you call.

"Never thought I would be buying a house at my age. But Global Home Finance made the process super easy to understand and the staff was fantastic!"
Bryan York
Happy Global Home Finance Client

Learn more about loan solutions

When purchasing your home, there are always new terms to learn or relearn, and that’s only to be expected. Find out more about loan solutions from our Finance blog.

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We help you find the custom mortgage solution that fits your needs, whether you are buying your first home or refinancing an existing mortgage. We are here to help you to find the best mortgage available.