Insight
Does a Mortgage Refinance Make Sense? Find Out in 4 Steps.
Thinking about refinancing your home loan? Here’s an easy 4-step process to evaluate your potential savings.
Mortgage Refinance
Refinance to reach your goals.
Plus, get up to 3% annualized cash back on your mortgage payment1 and a $0 lender fee2 when you refinance with us. Apply online or call 888-546-2634 to get started.
Today’s Mortgage Rates
Select Purchase or Refinance to get started
What’s your home refinance goal?
Refinance to a Fixed Rate Mortgage
Lock in a low interest rate with predictable monthly payments.
Remove Mortgage Insurance
Save money by eliminating your monthly private mortgage insurance.
Refinance for Debt Consolidation
Replace high-interest debt with a low-interest mortgage.
Lower My Monthly Mortgage Payment
Reduce your mortgage payment and add flexibility to your monthly budget.
Pay Off My Mortgage Faster
Shorten the length of your loan term, build equity quickly, and pay off your mortgage sooner.
Fund Home Improvement
Access your property’s equity to finance renovations and increase home value.
Why Axos?
We help you find the right refinance option to reach your goals:
- Reduce your monthly payments.
- Access home equity.
- Consolidate high-interest debt.
See what you could save.
Plug your scenario into our mortgage refinance calculator. We make it easy to see what a refinance could save you.
Three Steps to Start
Check Rates
Tell us about your property. We’ll pull today’s rates.
Apply Online
Start your application today. It’s quick and easy.
Get Approved
Our loan officers will support you every step of the way.
What’s your home worth?
It pays to know what your home is worth. Find out in minutes.
What our customers are saying
My experience refinancing with Axos Bank was excellent, thanks to Uriel Jimenez. He provided personalized guidance, kept me informed throughout, and secured a fantastic rate. I highly recommend Axos Bank for a seamless refinancing experience.
Alan|Rapid City, SD
I just got a new loan for my duplex rental in the Pasadena area. The experience was great and the assistant that the loan officer, Melissa Wallen, provided along with her team member was greatly appreciated. The team was efficient and proficient from start to finish, and the whole process took only three weeks. Highly recommended.
Hong|Sierra Madre, CA
Every person I contacted went above and beyond to make this experience as smooth and streamlined as possible. They took the time to respond to my questions and concerns with the utmost professionalism and patience. I am thankful for all their assistance throughout this process and would not hesitate to work with them again in the future.
Laura|Barnegat, NJ
FAQs
What is a mortgage refinance?
Refinancing your mortgage means a bank or lender will essentially pay off your current mortgage and replace it with a new one.
How do you refinance a mortgage?
First, you’ll need to choose your refinance type. You can do that here. Then, you can get your documents ready and apply. We’ll help you get started.
How much does it cost to refinance a mortgage?
Refinancing your mortgage typically costs 2% to 5% of the new loan.
Can you refinance a fixed-rate mortgage?
Yes. It’s usually best to do so when interest rates are low. Track rates with our Rate Watch tool.
Can you refinance an adjustable-rate mortgage?
Yes, you can use new proceeds to refinance your adjustable-rate mortgage (ARM).
How often can you refinance a mortgage?
You can refinance a mortgage as many times as you want.
How soon can you refinance a mortgage?
It depends on the terms of your loan. Waiting periods can range from days to months after your home purchase. Call our experts at 888-546-2634 to better understand your specific mortgage scenario.
Can you refinance a second mortgage?
Yes, but you may have to meet certain requirements. Call 888-546-2634 to talk with a mortgage expert and discuss your options.
Articles and Tools
Insight
First-Time Mortgage Refinance Guide
Worried that refinancing your home loan will be more effort than it’s worth? Check out this guide to determine if a mortgage refinance is right for you.
Tool
Mortgage Refinance Calculator
See how a mortgage refinance may save you money. Get your estimated monthly savings and break-even point.