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Is it time to refi?

Take this quick quiz to find out.

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Question 1 of 10

Why would someone refi?

Why would someone refi?

Answer:

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Thinking about why you want to refi? Explore our many refinance loan options to find your match.

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Question 2 of 10

Does refinancing come with any costs?

Does refinancing come with any costs?

Answer:

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See how the pros of refinancing your home stack up for you.

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Question 3 of 10

Couple standing at the entrance to a waterfront deck, viewed from inside a wood-paneled room with floor-to-ceiling windows

What is home equity?

What is home equity?

Answer:

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See how different terms change your numbers with our refinance calculator.

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Question 4 of 10

Why would someone choose a shorter loan term?

Why would someone choose a shorter loan term?

Answer:

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See how different terms change your numbers with our refinance calculator.

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Question 5 of 10

Can you refinance more than once?

Can you refinance more than once?

Answer:

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Break down more refi myths with our refinance FAQs.

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Question 5 of 10

Halfway home!

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Question 6 of 10

What affects refinance mortgage rates?

What affects refinance mortgage rates?

Answer:

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Learn what shapes your refinance mortgage rate.

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Question 7 of 10

Can you borrow more than your current loan amount?

Can you borrow more than your current loan amount?

Answer:

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Yes, if you qualify, a cash-out refinance may allow you to replace your existing loan with a larger one and use the difference for other financial needs.
Loan options depend on factors such as equity, credit, income, and program guidelines.

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Question 8 of 10

Why change an adjustable-rate to a fixed-rate mortgage?

Why change an adjustable-rate to a fixed-rate mortgage?

Answer:

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Predictable payments. While an adjustable rate offers lower rates initially, it changes with the market. Fixed rates stay steady and remove interest-rate risk.

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Question 9 of 10

Are all refinance loans the same?

Are all refinance loans the same?

Answer:

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See how each of our refinance mortgage loans can work for you.

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Question 10 of 10

Do you need perfect credit to refinance?

Do you need perfect credit to refinance?

Answer:

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Learn what affects your credit score and how to improve it.

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Question 10 of 10

It sounds like you are...

It’s mortgage makeover time

It’s time to refi. Your mortgage has done its part, but it could be doing even more.

Whether you want lower payments, a faster payoff or extra funds for big goals, your next step is applying for a refinance. Once you do, our team will reach out to help you find the right fit.

Apply Now

It sounds like you are...

You’re on the refi radar

Looks like your mortgage is doing its job. While you can refinance, now might not be the moment.

If you want to make a change or explore ways to use your home equity, your local loan officer is ready to help you build a plan that fits your financial goals.

Apply now

It sounds like you are...

A refi is on the horizon

Looks like your mortgage is doing its job. While you can refinance, now might not be the moment.

If you want to make a change or explore ways to use your home equity, your local loan officer is ready to help you build a plan that fits your financial goals.

Connect with a Loan Officer

It sounds like you are...

Your mortgage is doing its job

You’re almost there! Taking this quiz and digging into the resources is a big step, and it shows you’re building a solid foundation.

Take a little more time to look at your financial picture and plan your move. Whether you have questions about budgeting, saving or qualifying for a mortgage, your local CCM loan officer is here to help you chart your path to homeownership.

Connect with a loan officer