You searched:
“stuck with high interest rate mortgage”
Watching hundreds of extra dollars leave your account every month because of a high rate is painful. Whether rates have dropped, your credit has improved, or you just need a fresh look, refinancing could save you thousands.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Locked in during high-rate periodSolution exists
- 2Credit has improved significantly since original loanSolution exists
- 3ARM adjustment increased rateSolution exists
- 4Took a high-rate loan to buy quickly and never refinancedSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Rate-and-Term Refinance
Replace your current loan with a lower-rate mortgage. Even a 1% reduction saves hundreds monthly on a typical loan.
Available nowFHA Streamline Refinance
If you have an FHA loan, streamline refinance requires minimal documentation and no appraisal.
Available nowVA IRRRL
Veterans with existing VA loans can use the Interest Rate Reduction Refinance Loan with minimal paperwork.
Available nowTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Overpaying? A refinance analysis takes 5 minutes.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
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Frequently Asked Questions
Generally when you can reduce your rate by 0.5% or more, plan to stay in the home 2+ years, and the closing costs are recouped through monthly savings within that timeframe.
On a $300,000 loan, reducing your rate by 1% saves approximately $180/month or $64,000 over 30 years.
You can choose. Refinance to a new 30-year term for maximum monthly savings, or a shorter term to save on total interest while keeping payments manageable.
Overpaying? A refinance analysis takes 5 minutes.
We will reach out at a time that works for you. No pressure, no obligation.