Refinance

Refinance Your Mortgage — With a Clear Purpose

Refinancing isn’t about chasing a lower rate.

It’s about using your mortgage strategically.

A refinance allows you to replace your existing mortgage to:

Lower monthly payments
Consolidate higher-interest debt
Access equity for investing or business use
Improve cash flow or shorten amortization

The key is knowing when it makes sense — and when it doesn’t.

How I Help

I look at the full picture:

Penalties and break costs
Long-term interest vs short-term savings
Cash-flow impact
Lender flexibility going forward

Sometimes refinancing is the right move.

Sometimes staying put is smarter. I’ll tell you which — and why.

When a Refinance Makes Sense

High-interest debt is holding you back
Income has improved since your last mortgage
You’re a business owner or investor needing capital
You want stability or a different mortgage structure.

Click the photo for a refinance review

Refinance FAQ

Can I refinance before my term is up?

Yes — but there may be a penalty. I calculate whether the savings outweigh the cost.

Does refinancing reset my amortization?

It can, but it doesn’t have to. We can structure it to keep you on track if that is important. Otherwise, we can extend the amortization for cashflow benefits.

Will refinancing hurt my credit?

A refinance involves a credit check, but done properly it’s usually neutral or temporary.

How much equity can I access?

Typically up to 80% of your home’s value, subject to lender guidelines.

Use my calculators