Rate & term refinance
Rate-and-Term Mortgage Refinance
See whether a different rate or term improves your position after closing costs. Compare the loans over the time you expect to keep your mortgage.
A highly automated, AI-assisted process helps keep overhead lean. Review the actual offer to see whether refinancing produces savings for your situation.
Start with AI Chat: How do I compare refinance closing costs and potential savings?
No obligation to take a loan. General questions and booking a call do not start a credit check.Start with a conversation. Move forward when you are ready.
Investment property financing
Build your rental portfolio.
Buying or refinancing a rental property? Explore DSCR purchase and cash-out financing for 1–4 unit rentals and 5–20 unit multifamily properties, using eligible property income. Program and state eligibility apply.
Explore DSCR investor loans (1–20 units) →Make the decision yours
A useful conversation starts with what matters to you.
Start with your current loan
Review your remaining balance, payment, and term.
Define what improvement means
Discuss payment flexibility, repayment timing, or a different loan structure.
Compare total cost
Review fees, interest, and the time needed to recoup upfront costs.
Explore your direction
See the options. Understand the tradeoffs.
Use these starting points to explore. A loan professional can help you compare the details for your situation.
Rate & term refinance
Explore a different rate or repayment term in the context of total costs.
Explore refinancingReady to take the next step?
Start your secure online application, or talk through your options first.
Good questions. Clearer choices.
Know what comes next.
Get oriented here. For answers about your own plans, speak with a loan professional.
View licensing disclosuresDoes a lower payment always mean a refinance saves money?
No. A longer term or added costs can change the total amount paid. Compare the new loan with your current mortgage over the time you expect to keep it.
What should I compare before choosing a loan?
Review the proposed payment, upfront costs, rate structure, repayment term, and total cost. Ask what can change and which conditions apply to the offer.
Can I discuss my options before applying?
Yes. Book a Call to choose a time or call us directly. Start with your goals and questions, then decide whether an application is the right next step.
What happens after I start an application?
The application begins a review process. A loan professional may request information and supporting documents. Starting an application does not guarantee approval or specific loan terms.
Where should I provide financial documents?
Use the secure application or account portal when documents are requested. Keep personal financial information out of general chat messages.
Where is USAloans licensed?
Review the State Licenses page for company licensing disclosures and the states served. Loan availability also depends on program, property, and eligibility requirements.
A smarter way forward
Less busywork.
More room for savings.
AI-assisted automation helps reduce manual work and overhead—creating opportunities for savings and a smoother loan process.
Know your numbers. Choose with confidence.Compare your rate, APR, fees, and closing costs with a loan professional.
Your information, protected.
Encrypted applicationOur application portal uses 256-bit encryption and a SOC 2 Type II audited provider.
Privacy safeguardsPhysical, electronic, and procedural safeguards help protect your information. Employee access requires a business purpose.
Share securelyAsk AI Chat general questions. Use your application account for sensitive details and financial documents.
Your next step, your choice
AI moves the process. You make the next move.
Get answers, begin online, or choose a time to talk. Explore your options with no obligation to take a loan.
Start with a question.
Use AI Chat for general information about loan options and next steps. Try asking: “How do I compare refinance closing costs and potential savings?”
Move forward online.
Begin through our secure application portal at your convenience, with personal guidance when you need it.
Start My Application →Talk it through.
Choose a time to discuss your goals, compare costs, and plan your next step with a mortgage professional.
Book My 15-Minute Call →No obligation to take a loan. Complete an initial application and eligibility review with no credit inquiry or a soft inquiry, without affecting your credit score.