Refinance

Refinancing can be a great way to make your home more affordable and help you accomplish other financial goals.

Refinance Made Easy:
A Step-by-Step Guide to Saving

Find Your Perfect Fit
Find Your Perfect Fit
Step 1

Find Your Perfect Fit

Chat with your loan officer about your goals and explore different loan options. Fill out a quick application, and we'll handle the paperwork magic. Sign those disclosures (think of them as loan superpowers!) and upload your documents. Our super-speedy system whizzes through your application, making things lightning-fast.

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Lock in Your Savings, Secure Your Rate
Lock in Your Savings, Secure Your Rate
Step 2

Lock in Your Savings, Secure Your Rate

Once things look good, we lock in your sweet, sweet interest rate for 30-45 days (think of it as claiming your financial beach chair!).

This gives you time to get everything ready without worrying about rates changing.

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Let's Get This Refinancing Train Rolling!
Let's Get This Refinancing Train Rolling!
Step 3

Let's Get This Refinancing Train Rolling!

You'll get a clear view of your loan details and sign everything electronically. We'll even open the title and escrow accounts, like getting your party prepped! If needed, we'll order an appraisal, like getting a professional opinion on your home's awesome value. Then, our underwriters (the loan detectives!) make sure everything looks tip-top and give the green light for closing.

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Sign On the Dotted Line, Secure Your Savings
Sign On the Dotted Line, Secure Your Savings
Step 4

Sign On the Dotted Line, Secure Your Savings

We draft your loan documents and send a friendly notary to meet you at home. No need to break a sweat, your loan officer will walk you through everything. Sign, seal, and deliver those documents (think of it as unlocking your financial treasure chest!).

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Funding Frenzy, Your Loan Takes Flight!
Funding Frenzy, Your Loan Takes Flight!
Step 5

Funding Frenzy, Your Loan Takes Flight!

Our eagle-eyed team double-checks everything and preps your loan for takeoff. Once funded, you'll get a celebration notification and info about your first mortgage payment. Plus, we'll keep an eye out for even lower rates in the future, like your own financial guardian angel!

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Unlock your home’s hidden potential

Home Equity:

Turn your built-up home value into cash for the things you need.

Budget Boost:

Free up more cash each month for the things you love, like travel, hobbies, or family time.

Save on Interest:

Slash those pesky interest fees and keep more money in your pocket.

Our Loan Programs

Explore our range of loan programs designed to meet your unique requirements:

Conventional Refinance

Refinance your way to financial freedom.

FHA Streamline

Simplifying your FHA loan experience.

VA IRRRL

Unlock the potential of VA Interest Rate Reduction Refinance Loans.

Apply Today!

It all starts with an accepted offer.

If you plan on buying a home in the future, learn more about conventional purchase, FHA, and VA loans. Do you have any questions about the home buying or mortgage pre-approval process, or are curious about how much of a mortgage you qualify for? Reach out to the licensed loan officers at River City Mortgage.

It’s our mission to help you get into your dream home.

Let the River City Mortgage Seal of Approval help you secure your home faster than anyone else.

Apply Today!

It all starts with an accepted offer.

If you plan on buying a home in the future, learn more about conventional purchase, FHA, and VA loans. Do you have any questions about the home buying or mortgage pre-approval process, or are curious about how much of a mortgage you qualify for? Reach out to the licensed loan officers at River City Mortgage.

It’s our mission to help you get into your dream home.

Let the River City Mortgage Seal of Approval help you secure your home faster than anyone else.