Refinancing can help you lower your monthly payment, reduce your loan term, or access cash from your home’s equity. We’ll help you explore your options and see if refinancing makes sense for you.
Buying a home is a big decision, and our experienced loan officers are here to simplify the process. Whether you’re a first-time buyer or a seasoned homeowner, we’ll help you understand your loan options and guide you through every step.
We work with a variety of lenders to find loan programs that fit your financial goals. From fixed-rate mortgages to adjustable-rate options, we’ll help you secure the best terms possible based on your needs.
With Perch, getting a mortgage doesn’t have to be complicated. Our easy application process, fast pre-approvals, and dedicated support team ensure a smooth experience—so you can focus on finding the perfect home.
Looking to lower your monthly payment or pay off your loan faster? A rate-and-term refinance lets you adjust your interest rate, loan term, or both—potentially saving you thousands over the life of your mortgage.
If you’ve built equity in your home, a cash-out refinance allows you to borrow against it, turning that equity into cash. You can use the funds for home improvements, debt consolidation, or other major expenses while still benefiting from a new mortgage with potentially better terms.
If you have an FHA or VA loan, a streamline refinance can help you lower your rate with minimal paperwork and no home appraisal. This is one of the fastest and easiest ways to reduce your mortgage costs if you qualify.
Whether you want to lower your monthly payment, shorten your loan term, or tap into your home’s equity, the first step is understanding your financial goals. Our team will help you explore the best refinance options based on your needs.
Once we understand your goals, we’ll present you with personalized refinance options. We’ll compare interest rates, loan terms, and potential savings so you can make an informed decision.
After choosing the best refinance option, we’ll guide you through the application process. You’ll submit key documents like income verification and property details, and we’ll handle the rest to keep things moving smoothly.
Once your refinance is approved, you’ll close on your new loan—often with little to no out-of-pocket costs. From there, you’ll enjoy lower monthly payments, a shorter loan term, or extra cash in hand, depending on the refinance option you chose.