Refinance

Lower Your Rate.
Access Your Equity.

Whether you want to reduce your monthly payment, shorten your loan term, or tap into your home's equity — we'll find the best option across 20+ lenders.

Rate & term refinance — lower your payment

Cash-out refinance — access up to 80% LTV

No tax return options for self-employed

Streamline refinances for FHA and VA loans

Close in as little as 21 days

Get a Refi Rate Quote

No obligation · Takes 60 seconds

By submitting, you agree to be contacted by Clavis Capital Group. NMLS# 2343894.

Your Options

Refinance Programs

Every refinance is different. We'll analyze your current loan and recommend the program that saves you the most money.

Rate & Term Refinance

Replace your current mortgage with a new one at a lower interest rate or shorter term — without taking cash out.

Lower your monthly payment
Shorten your loan term (30yr → 15yr)
Switch from ARM to fixed rate
Remove FHA mortgage insurance (MIP)
Up to 97% LTV on conventional

Cash-Out Refinance

Refinance your home for more than you owe and receive the difference in cash — tax-free. Use it however you need.

Access up to 80% of your home's value
Home improvements & renovations
Pay off high-interest debt
Fund investment property purchases
Education, business capital, or reserves

FHA & VA Streamline

Simplified refinance programs for existing FHA and VA borrowers. Minimal documentation, no appraisal required in most cases.

No appraisal required (most cases)
Reduced income documentation
Lower upfront costs
Must already have FHA or VA loan
Must show net tangible benefit

Bank Statement Refi

For self-employed borrowers who can't show sufficient income on tax returns. Qualify using 12–24 months of bank deposits.

No tax returns required
Personal or business bank statements
Rate & term or cash-out options
Up to 80% LTV cash-out
Min. 640 credit score

DSCR Refi (Investment)

Refinance your investment property based on rental income — not personal income. No tax returns, no W2s.

No personal income verification
Cash-out up to 75% LTV
LLCs and entities allowed
Available in 40+ states
Min. DSCR 0.75 (select programs)

Jumbo Refinance

Refinance loan balances above the conforming limit. Competitive rates for high-value properties in CA and FL.

Loan amounts $806,500 – $3M+
Rate & term or cash-out
Primary and second homes
Min. 700 credit score
Up to 80% LTV

Should You Refinance?

Break-Even Calculator

The break-even point is how long it takes for your monthly savings to cover the cost of refinancing. If you plan to stay longer than that, a refi makes sense.

Calculate Your Break-Even

Enter your numbers to see how long until you recoup closing costs

Current Monthly Payment ($)

New Monthly Payment ($)

Estimated Closing Costs ($)

Monthly Savings

Break-Even Point

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Enter your numbers above

Timing

When Does Refinancing Make Sense?

Not every rate drop is worth a refi. Here's a practical guide to when it's a smart move — and when it's not.

✓ Good Reasons to Refinance

📉

Rates dropped 0.5%+ A half-point or more drop in rate usually generates enough monthly savings to justify closing costs within 2–3 years.

🏠

You have significant equity If your home has appreciated, cash-out refinancing can unlock capital at mortgage rates — far cheaper than credit cards or personal loans.

💳

You have high-interest debt Consolidating credit card or auto loan debt into a mortgage can dramatically reduce your total monthly obligations.

⏱️

You want to pay off faster Refinancing from a 30-year to a 15-year loan can save tens of thousands in interest — especially if your income has grown.

✗ When to Think Twice

📅

You're moving soon If you plan to sell within 2–3 years, you may not reach the break-even point before you move.

📊

The rate difference is small A 0.25% drop rarely justifies closing costs unless your loan balance is very large.

🔄

You're far into your loan If you've paid 20+ years on a 30-year mortgage, refinancing resets your amortization and can cost more in interest long-term.

💸

Your credit score dropped significantly A major credit decline since your original loan could result in a higher rate than you currently have.

Common Questions

Refinance FAQ

For a rate and term refinance, most conventional programs require at least 5% equity (95% LTV). For a cash-out refinance, you typically need at least 20% equity remaining after the cash-out (80% LTV max). FHA and VA streamline refinances have separate equity requirements. If you're underwater or close to it, contact us — there may still be options available.

Refinance closing costs typically run 2–3% of the loan amount. On a $500,000 loan that's $10,000–$15,000. However, many borrowers choose a "no-cost" refinance where closing costs are rolled into the loan or offset by a slightly higher rate. We'll show you both options so you can decide what's best for your situation.

Yes — and you have options. If your tax returns show sufficient qualifying income, you can use a standard conventional refinance. If your write-offs reduce your taxable income below what you'd need to qualify, our Bank Statement program lets you qualify using 12–24 months of bank deposits instead. Many self-employed borrowers find this route more favorable.

Most refinances close in 21–30 days with a complete file. FHA and VA streamlines can sometimes close faster since they require less documentation. The main timeline driver is the appraisal (7–10 days) and any additional conditions from underwriting. We'll set clear expectations upfront and keep you updated throughout.

In most cases, yes — you'll skip one payment during the refinance process. Mortgage interest is paid in arrears, so when your new loan closes, your first payment on the new loan isn't due for 30–45 days. You're not actually skipping it — that interest accrues and is collected at closing. We'll walk you through exactly what to expect at your close date.

Lower Your Rate.Access Your Equity.