Refinancing your home

Whether you’ve been a homeowner for a few years or more than a decade, you may consider refinancing your home loan to lower your monthly payments or interest rate or you want to cash in on the equity you have built up on your home over the years. 


Lower your interest rate, your monthly payment or your term.

When you want to lower your term or rate on your current mortgage to save money, you will refinance your remaining balance for a lower interest rate and a term you can afford. 


Cash-Out refinancing to pay off existing debt, finance a second home, or complete a home improvement project.

When you refinance your loan to cash out the existing equity in your home, you can use this money for several reasons. Finance a home improvement project, finance a second home, or pay off student loan debt. Simply complete the online application and select refinance your loan.


  • New refinance rules for cashing out to pay student loans.

  • No more 6 months waiting period for a previously listed home  to take cash out through a refinance!

  • Student loan debt on an income payment problem!  

  • We can use whatever payment is showing on the credit  report!

  • Want to use increased home equity to pay off higher  interest rate student loans - we just made it easier!

  • Are debts you took out to help friends or family stopping you  from getting a new loan?  Not anymore, we can help out!

  • Rates are still historically low and predicted to rise, contact a Key Mortgage loan officer to see how you can take advantage and make life easier!