Make your mortgage work for you
Refinance with a clear plan
Refinancing replaces your current mortgage with a new one. Homeowners refinance for many reasons: to change their rate or term, to switch from an adjustable rate to a fixed rate, to remove mortgage insurance, or to use some of their home equity for other goals.
Because refinancing has costs, it should make sense for your situation. Luna Lending compares refinance options from multiple wholesale lenders and helps you weigh the costs against the potential benefits before you move forward.
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Common reasons to refinance
Here’s how it can help
Change your rate or term
A rate-and-term refinance can change your interest rate, your loan term or both, for example moving from a 30-year to a 15-year loan.
Tap into your equity
A cash-out refinance lets you borrow against your home equity for goals such as home improvements or consolidating higher-interest debt.
Switch loan types
Move from an adjustable-rate to a fixed-rate loan for more predictable payments, or from FHA to conventional to potentially remove mortgage insurance.
How it works with Luna Lending
Tell us your goals
Share what you are looking for and a little about your situation.
We shop multiple lenders
As an independent broker, we compare programs and pricing from multiple wholesale lenders.
Compare your options
We walk you through rates, costs and terms side by side, in plain language.
Close with confidence
We stay in touch from application to closing, with clear updates along the way.
Good to know
Questions we hear often
Closing costs
Refinancing usually involves closing costs. We will help you estimate how long it may take to recoup them.
Qualifying
You will need to qualify again based on your current credit, income, assets and home value.
Streamline options
FHA and VA loans may offer streamlined refinance options with simplified documentation for eligible borrowers.
Cash-out considerations
Borrowing against your equity increases your loan balance and uses your home as collateral. Consider the long-term cost.
Get ready
Let Luna Lending guide you home
Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.
Get StartedThis page is for general educational purposes only and is not a commitment to lend or an offer of credit. Loan approval, rates, terms and program availability depend on credit, income, assets, property type and underwriting review, and may change without notice. Luna Lending Inc. | NMLS #2032089 | 1900 Grant St. Ste 1150, Denver, CO 80203 | 720-594-6585 | Licensed in CA, CO, NC and NV. Equal Housing Opportunity.