Cash out or get a better rate without the runaround
Refinancing gives you a shot at better terms or a way to turn years of payments into cash you can use today.
Cash-out refinance
Turn your equity into cash for renovations, tuition, debt, or whatever makes sense for you right now.
Get a rate quote fastRate and term refinance
Lower your rate, shorten your term, or both. There's no reason to keep paying more than you need to.
Get a rate quote fastHelpful tools to get you started
Thinking about refinancing, but don’t know what to expect? Get the info you need and take the next step with confidence.
Calculate how much you could save
See exactly what a new rate could mean for your monthly payment.
Calculate your savings
Learn how refinancing works
A top down view of what to expect from application to closing
Discover the process
Get notified when your ideal rate hits
Set a personalized alert and we'll let you know when your desired rate is available.
Set your target rateToday’s live refinance rates
Get honest numbers upfront — so you can make the right decision on your terms.
Don't take our word for it. Here's what our clients say.
"He worked with our realtor in order to create a strategy [..] to secure the property at a price that wasn't the best price"
Adam E.
"John Landry is the most knowledgeable and trustworthy person I know when it comes to purchasing a home. He gave me advice within the first few minutes of our conversation that no one else gave me after shopping around for weeks. I wouldn’t have my place without him, and have referred several friends. I highly recommend his services!"
Ray List
A year ago
"We worked with John and Regina based on a recommendation from our last mortgage agent. John and team were fast, efficient, and above all friendly when going through the process. They understand the complexities of the mortgage process and navigate them with ease. All while understanding the human factor. If you want an incredible and painless experience, pick Landry Mortgage Corporation!"
B Bean
A month ago
"11/10! John Landry is great to work with. He was aaaaaexceedingly patient and helpful while answering my questions as a first time home buyer, transparent about everything related to his fees, and his rates are the best in town. I would not hesitate to work with Landry Mortgage again or recommend him to others."
Daniel Thetford
3 months ago
"Not only did we have the money we needed at a great rate, it was an experience where [...] he went above and beyond"
John K
"John and his team are INCREDIBLE! Excellent communication and truly efficient service from start to finish. They are down to earth, reliable, and genuinely care about their clients. You can trust them to get the job done right while making the entire process smooth and stress-free. Highly recommend!"
Regina Ovendorf
A month ago
"I’ve trusted John with my mortgages and refinancing over the last 10 years. He’s fast, knowledgeable, and a genuinely nice guy. One of the best things about working with John is his network, he has a contact for everything and helped connect me with the right person when I hit a roadblock. His guidance and resources took a lot of stress out of the process. Highly recommended!"
Josh Fleischer
A month ago
"John treats others the way he would want to be treated and I think that's the biggest key"
Caleb S
"John and his team are simply the best! John really takes the time to Find the best solution For you. He gets all the information upfront and asked all the right questions so that the last thing you have to worry about is resubmitting things that are not related. He communicated The entire process from A-to-Z with us and truly delivered. A plus an all record!! We highly recommend him in his team."
Farhad Gholizadeh
3 months ago
How refinancing works with us
No mysteries. No surprises halfway through. Here's exactly what happens from the moment you reach out to the day your new loan closes.
Frequently Asked Questions
- Will refinancing affect my credit score?
Yes, briefly. Applying for a refinance triggers a hard credit inquiry, which may cause a small, temporary dip. However, if you’re shopping multiple lenders, inquiries within a short window are typically counted as one. The long-term impact of a well-timed refinance usually far outweighs any short-term effect.
- Can I refinance if I don't have a lot of equity in my home?
Possibly. Some loan programs allow refinancing with limited equity, and if your home has appreciated, you may have more equity than you realize. It depends on your loan type, lender requirements, and current loan balance. A quick review of your situation can tell you where you stand.
- What's the difference between a rate-and-term refinance and a cash-out refinance?
A rate-and-term refinance adjusts your loan’s terms without touching your equity. A cash-out refinance lets you borrow against your home’s equity — converting it to cash for things like renovations, debt payoff, or other financial goals. Each serves a different purpose depending on what you’re trying to accomplish.
- How do I know if I should refinance now or wait?
The right time depends on your goals, not the market. If you’re looking to lower your monthly payment, shorten your term, or access equity for a specific purpose, it may make sense now. We’ll help you run the numbers honestly so the decision is yours — without pressure.
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Better terms are one quote away
Get an instant rate quote upfront without going through a 30-minute sales call.
- No registration
- No impact on credit score
- No commitment