How Do I Refinance?
Enjoy lower costs and a faster process when you refinance with HomeLoanServ.
- Competitive, fixed-rates
- Easy application process
- Save time and hassle by staying with HomeLoanServ
Here's how to make it happen:
Step 1: Explore refinancing options
HomeLoanServ offers different refinancing options to help you reach your financial goals. Learn more about your options below!
Step 2: Speak with our team
Give us a call when you're ready to talk about your refinancing goals. We will analyze your financial situation to help you determine which option makes the most sense. Get expert help at 800-526-7145 option 6.
Step 3: Apply online
After speaking with our team, you’ll be ready to begin our fast, easy application process.
Step 4: Review your application with us
Next, we will set up an appointment to review and finalize your loan application. Once finalized, we will quickly process your application.
Step 5: Closing
Our team will guide you through the closing process and make it stress-free. After closing, we’ll provide you with everything you need. We are always available to answer any additional questions.
Thank you for choosing HomeLoanServ to reach your financial goals!
Get Expert Help Now
800-526-7145 option 6
Request a Loan Officer Contact You
Refinancing Options To Reach Your Financial Goals
Cash-Out Refinance
A cash-out refinance allows you to use your home equity to spend on important expenses. With this option you will replace your existing mortgage with a new loan and receive the difference between the two in a lump sum of cash.
- Home improvement projects
- Consolidating high-interest debt
- Paying medical or other large expenses
Whether you’re looking to upgrade your kitchen or bathroom, or making energy efficient upgrades to your home, a cash-out refinance can help you get the funds you need to make it a reality.
Home Improvement Loan Refinance
Our home improvement loan is a fixed-rate, second mortgage that allows you to use your home equity for home improvement projects. Unlike a cash-out refinance, this option does not require you to replace your existing mortgage. Instead, you borrow what you need for your project and pay back that amount separately.
- Financing home improvement projects
If your primary mortgage rate is lower than current rates, this can be an excellent option for home improvement. You leave your primary mortgage alone and only pay the new rate on the smaller amount you borrow for your project.
Rate/Term Refinance
A rate and term refinance allows you to change your interest rate and loan term. And if you refinance at a lower rate, you could save interest over the life of the loan.
- Securing a lower rate
- Reducing your loan term
- Moving from an adjustable-rate to a fixed-rate
- Eliminating mortgage insurance
This can be a great option if your life circumstances have changed, but you don’t need/want to take out your home equity.
Get Expert Help Now
800-526-7145 option 6
Request a Loan Officer Contact You
Refinance Your Loan
Are you interested in refinancing, but want to keep the same quality of customer service that you’ve become accustomed to with your Idaho Housing loan? Idaho Housing offers rate/term and streamline refinancing. You can refinance with or without an appraisal as well as cash-out refinancing.
You will recieve an email once your request is assigned to a loan officer.
If you need any assistance please contact us at [email protected].