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Home Loan Refinancing

It's your equity. We just give you the tools to leverage it. Whether you're looking to consolidate debt, lower rates, fund home improvements, or adjust mortgage terms for better control over your finances, Eagle Home Financial is your go-to partner for smart mortgage refinancing solutions.

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Empower Your Equity

Reimagine Your Mortgage

We think of mortgage refinancing as a mortgage reboot, transforming it into a game-changing solution that adapts to your evolving needs. It’s a strategic move, and we know it well. Let’s fine-tune your mortgage to work like it should—on your terms.

Is Home Loan Refinancing Right For You?

Refinancing isn't a one-size-fits-all solution; it's a versatile tool designed for diverse financial scenarios. It can be a game-changer for homeowners, families, and investors who want to:

Reduce their mortgage rates for significant long-term savings.
Improve cash flow and ease monthly financial burdens
Tap home equity for renovations, education, or investments
Switch from an adjustable-rate to a fixed-rate mortgage for more predictability
Consolidate high-interest debt into a single, lower-interest mortgage payment

Refinancing Benefits

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Lower Interest Rates
Slash your interest and boost savings. Refinancing can significantly reduce rates and ease your financial journey.
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Access Your Equity
Unlock your home's value, and use refinancing to access equity for renovations, education, or debt payoff.
Debt Consolidation icon
Debt Consolidation
Streamline your finances by consolidating debts into one manageable loan while potentially lowering interest rates.
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Increased Cash Flow
Refinancing can lower payments, offering more breathing room in your budget.

Eligibility Requirements

Wondering if refinancing is the right move? Explore our eligibility requirements:

Credit Score: Conventional refinance loans typically require scores of at least 620, while FHA and VA loans may offer greater credit score flexibility.

Established Income: A steady income stream is key in refinancing. We're here to help you find a refinancing option that aligns with your income. If your income has decreased, ask about our streamline options.

Home Equity: Generally, you must have 20% equity in your home to qualify. However, borrowers with strong credit may be eligible at a higher interest rate.

Limited Debts: Everyone has financial obligations. Let’s work together to ensure your new loan fits comfortably within your budget.

Getting Started: From Application to Approval

Refinancing begins with a straightforward application, where we collect details about your income, employment, and debts. We’ll assess your credit, process your application, and present you with options custom-tailored to your lifestyle and finances.

In some cases, we may need to conduct a straightforward property appraisal before guiding you to a swift final approval and closing process. Let’s get started!

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Master Your Mortgage: Refinance Payment Calculator

Want to jump-start the refinancing process? Check out our free payment calculator. This user-friendly tool calculates your loan amount, interest rate, and loan term, making it simpler to plan your finances.

You can also contact us directly for a free consultation. At Eagle Home Financial, we aren't just loan officers, we’re loan advisors.

Our Team

Meet the dedicated professionals who will guide you to the doorstep of your dream home. Our team seamlessly blends industry knowledge with personalized customer service to ensure a smooth and supportive homebuying experience. With us, you are more than just a client—you're a valued family member.

Meet the Team
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Here’s Why We Do What We Do

I had a great overall experience with Eagle Home Financial. They were extremely knowledgeable and made the entire mortgage process very quick and easy. Any large purchase can be overwhelming but they were there to promptly answer any and all questions. I would highly recommend Eagle Home to any friends or family.

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Ricky Gundrum
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Why Work With Us?

Fast Closing

Fast Closing

Complete your mortgage process in as little as three weeks for a faster home-buying experience.

Expertise at Every Step

Expertise at Every Step

Receive personalized advice from experienced mortgage experts who understand your needs and treat you like family.

Competitive Rates

Competitive Rates

Gain access to the most competitive rates in the market while lowering your long-term mortgage expenses.

Explore Our Resources

Looking for simple answers about the mortgage process? Our resources will help. Covering everything from applications to credit requirements, closing costs, and rates, you’ll find clear, easy-to-understand answers to common mortgage questions here.

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Explore Our Refinancing Options

You're unique, and so are your financial goals. Whether you want to tap into home equity, explore lower interest rates, or shorten your mortgage term, our custom-tailored refinancing solutions are designed to fit your unique needs.
Apply Now