Rate-and-term
Replace the current note with a lower rate or a shorter term. No cash out except small tolerances.
Refinance
Refinance with this branch
Lower the rate, take cash out, change the term, or pull a name off the note. The file stays in Wintersville or Newark.
Four refinance paths
Cash-out
Pull equity for a payoff, a renovation, or reserves. Conventional, FHA, and VA each have their own cap.
Name removal
Divorce, death, or a co-borrower leaving the note. We structure the refinance so title and the loan match.
Streamline
FHA and VA streamline refinances when the existing loan is already in that program and the savings are real.
What we look at first
Current rate, remaining term, equity, credit, and why you want the new loan. A refinance that only looks good on a teaser rate is not a refinance we will put you in.
Bring the existing note, a recent statement, and insurance. We will tell you if the close cost is worth it before you spend appraisal money.
Refinance questions
- When does a refinance make sense?
- When the new payment, term, or cash-out goal beats the cost to close. We run the numbers before you apply twice.
- Do I need an appraisal?
- Most rate-and-term and cash-out files do. Some FHA and VA streamlines do not.
- Can you refinance a house in West Virginia or Pennsylvania?
- Yes, when this branch originated the conversation and we are licensed on the property.
Start here
See if a refinance is worth it
Start the official application or call the branch if you need a file opened tonight.