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Fast, secure refinancing.

Whether you want to lower your monthly payment, shorten the length of your loan or take some cash out for your latest home improvement project, we can help.

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Start your refinance journey here.

What is a Mortgage Refinance?

When you refinance a mortgage, you get a new home loan that replaces your existing mortgage. The new loan may have a different interest rate and terms. You can get a new mortgage for the amount you owe on your current home loan or borrow a higher amount and “cash out” the difference to use for home improvements or other large expenses.

When To Refinance A Mortgage

There are a few popular reasons to refinance your mortgage. It may be a good idea to refinance if…

  • Interest rates are lower than when you bought your house.
  • You want to switch loan types, such as from an FHA mortgage to a conventional one.
  • You want to switch from an adjustable-rate mortgage to a fixed-rate one.
  • You want to shorten your loan term and pay off your mortgage faster.
  • Your credit score or debt-to-income ratio have improved, so you can qualify for a better rate and terms.
  • You want to do a cash out refinance to borrow money at an affordable interest rate.

Mortgage refinancing for any of these reasons may still be cost-effective even with closing costs if you plan to stay in your current home long enough.

Mortgage Refinance Requirements

Here are the documents you’ll need for a mortgage refinance:

  • Proof of income (Most recent W-2’s, paystubs, or tax returns)
  • Copy of Homeowners insurance and title insurance
  • Credit verification
  • Statements of debt (Current loans and credit card debt)
  • Statements of assets (Most recent bank statements, retirement account statements, etc.)
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Take advantage of our Loyalty Rewards program.1

If rates drop within 3 years of your home purchase with us, we will help you save up to $1,500 on your refinance at the better rate.

Your original loan must have closed between 180 days and 36 months of home closing date.

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Want a personal touch with your mortgage?

Let our mortgage experts help you through every step of the mortgage process.

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Need help with buying a new home or home equity?

We offer new home mortgages and home equity lines to help you get the most out of your home and your dollar.

Approval of refinance not guaranteed and will still be subject to credit approval. Other restrictions may apply.

  1. Loyalty Rewards offer valid for First mortgage loans closed after March 31, 2023. Application for refinance must be on the same subject property as the original purchase loan. Bank will cover the following fees as a lender paid credit: Underwriting Fee, Processing Fee, Appraisal Fee and Credit Reporting fees not to exceed $1500.00. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans.

Offer may not be used with any other discounts. Offer is not available for lot or land loan transactions. This program is subject to changes or cancellation at any time at the sole discretion of First Financial Bank, but if this offer is made with the initial loan application, it will be honored.