It's your equity. Use it.
Refinance your mortgage at wholesale pricing
Lower your payment without the retail markup. See what you could save in a few minutes, and it won’t affect your credit to start.
- No junk fees or unnecessary lender fees
- No-cost refinance for qualifying Moxie purchase clients
- FHA Streamline and VA IRRRL, usually no appraisal
Your new payment in 60 seconds
How much could you be saving on your mortgage?
Answer a few quick questions and we'll show you, in plain numbers, what your payment could look like. No guesswork and no credit check.
Show me my numbersEstimates are illustrative and not a loan offer, commitment, or underwriting decision. Actual rates, costs, and terms depend on credit, property, and market conditions.
Pick your goal
Find the right refinance for you
Lower my payment
Rates change over time. Refinance to a lower rate or longer term to lower your monthly payment and free up savings.
Rate-and-term refinance
Lower my payment →Take cash out
You've been building equity with every payment. You may qualify to take cash out tax-free for renovations, debt payoff, or investing.
Cash-out refinance
Cash out my equity →Shorten my term
Life changes, and so can your mortgage. Move from a 30-year to a 15-year term and reduce the interest you'll pay.
Term-reduction refinance
Shorten my mortgage →How refinancing with Moxie works
- 1
See your numbers
Use the savings tool above or talk to a loan expert. No credit check to see your estimate.
- 2
Apply in about 10 minutes
Apply securely online. We compare wholesale lenders and lay out your best options side by side.
- 3
Lock and close
Lock your rate, sign your disclosures, and close. Closing costs can often be rolled into the new loan.
Keep your current rate
Home Equity Line of Credit: cash in minutes, not weeks
Love your first-mortgage rate? A HELOC lets you tap equity without touching it, and you only pay interest on what you use.
Get my money now- 5 minApply 100% online
- MinutesTo an approval decision
- 5 daysFunding in as little as
- $400KBorrow up to, no in-person appraisal
Is refinancing worth it?
Usually, if your current rate is 0.5%–1% or more above today's rates. Refinancing can also make sense to switch from an ARM to a fixed rate, drop mortgage insurance, consolidate high-interest debt, or pull cash from your equity.
Refinance closing costs typically run 2%–5% of the loan amount and can often be rolled into the new loan. Qualifying borrowers who bought their home with Moxie can refinance at no cost.
What you need to refinance
- Sufficient home equity
- A solid credit score (620+ for most lenders)
- Stable income and a low debt-to-income ratio
- On-time payment history
Refinance questions, answered
Will I need another appraisal when refinancing?
In most cases, lenders require an appraisal to confirm the current market value of the property; however, FHA Streamline and VA IRRRL refinances generally do not require an appraisal.
Can I roll refinance closing costs into my loan?
Yes, often closing costs can be financed into the new loan, reducing your upfront out-of-pocket expenses.
What is a streamline refinance?
A streamline refinance is a simplified process available for current FHA or VA loan holders, which does not require an appraisal.
Does Moxie offer no-cost refinance?
Yes, for qualifying borrowers we offer a no-cost refinances for life program, which can save clients $1,000s in origination fees and unlock financing strategies that otherwise would not be feasible.
Questions about refinancing?
Whether you're just exploring or ready to apply, Moxie advisors will match you with the best product at the best price available.