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Refinancing gives you access to the equity you’ve built in your home. With a variety of options for our borrowers, we help you determine whether refinancing is a smart financial move for you.


Pay Off Your Mortgage Faster

When you want to take advantage of lower interest rates to build equity in your home faster, refinancing to a shorter-term mortgage can be an attractive choice. When you change from a 30-year mortgage to a 15-year mortgage, for example, you reduce total interest costs by paying off the loan sooner and save money over the long term, though your monthly principal payments may be higher.

Lower Your Mortgage Payment

When interest rates drop, your credit improves, or the equity in your home has increased, refinancing can decrease your monthly payments when you refinance to a lower rate and build equity faster.

Consolidate Debt

Free up monthly cash by consolidating consumer debt interest to an interest-deductible mortgage loan, roll high-interest consumer debt into a lower-interest loan, and reduce monthly payments by spreading out the payments over 30 years.

Get Cash Out Of Your Property

There are many reasons to choose cash-out refinancing, like using the equity you’ve built in your property to make home improvements, pay for a child’s education, or pay off unexpected medical bills.

Convert to a Fixed-Rate Mortgage

When you want predictable payments over the long term, switching from an adjustable-rate mortgage to a fixed-rate loan can give you the peace of mind that your payments will not increase when interest rates change. You lock in a lower rate that will not fluctuate.



Talk to your mortgage advisor to determine whether refinancing makes sense for you. Consider whether the payoff justifies the costs, long-term financial impacts, and payback period.


Gather documents and submit your application. Then we’ll order an appraisal and analyze your credit, income, and assets.


You may be asked for more information while your file is being underwritten. Communicate with your advisor for updates.


It’s official! Soon after signing the loan documents, you’ll receive your funds.


Our mortgage advisors are here to help.

Apply Now


11306 Ashton Ave E Bonney Lake, WA 98391

+1 (425) 772-1031