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Home refinance loans

Your home loan should work for you as your life changes. Refinancing can help lower your monthly payments, reduce interest costs or unlock equity when you need it. It’s an opportunity to realign your loan with your financial goals and move forward with greater flexibility. Want to speak with one of our home loan advisors? We’re available Monday–Friday from 8:30 AM to 5:30 PM and Saturdays from 9:00 AM to 12:00 PM at 844-468-9369.

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Quick Facts

Why refinance with Credit Human?

Refinancing your home loan can help reduce financial strain, freeing up cash flow for emergency funds or other essential expenses. This improves day-to-day financial resilience and confidence in your spending plan.

  • Competitive fixed rates and terms up to 30 years
  • No PMI on approved products
  • Cash-out opportunities give access to equity
  • No prepayment penalties
  • Convenient online application
  • Available in Texas, Louisiana, Colorado and North Carolina
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Homeownership resources

Home loan calculators and resources

Refinancing your home can be a complex process. Check out these calculators and homeownership resources to help you. For more information and personal guidance, contact one of our home loans advisors at 800-688-7228.

View current rates
annual-percentage-rate-calculator-resource-thumbnail Calculators
Home loans calculators, Homeownership

Annual percentage rate calculator

Calculate the APR for fixed-rate or adjustable-rate loans.

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debt-consolidation-calculator Calculators
Home loans calculators, Homeownership

Debt consolidation calculator

Determine if you can consolidate your debt by combining it with your home mortgage.

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early-payoff-calculator Calculators
Home loans calculators, Homeownership

Early payoff calculator

Determine the additional monthly payment amount needed to pay off the loan sooner.

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early-payoff-calculator Calculators
Home loans calculators, Homeownership

Payment amortization calculator

Calculate your monthly payment and see how the principal is paid over time.

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extended-warranty Calculators
Home loans calculators, Homeownership

Prepayment savings calculator

Find out how soon you can pay off your mortgage by making a prepayment.

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early-payoff-calculator Calculators
Home loans calculators, Homeownership

Rent vs own calculator

Calculate the difference between renting and buying a home.

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early-payoff-calculator Calculators
Home loans calculators, Homeownership

Refinance break-even point calculator

Find out how long it will take to "break-even" on a refinanced loan.

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early-payoff-calculator Calculators
Home loans calculators, Homeownership

Tax savings calculator

Determine the estimated tax savings with a new loan.

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Make your mortgage work better for you

Lower your payments or use your equity with a refinance that aligns with your financial goals. Create more flexibility today while strengthening your future.

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Get resources

Refinancing can improve cash flow and flexibility

Refinancing your mortgage can help improve your financial health by lowering your monthly payment, reducing long-term costs or giving you access to your home’s equity. Used thoughtfully, it can free up cash for savings, reduce high-interest debt or support major life needs. The result is more flexibility today and greater stability over time. Visit the Financial Health Resource Center to learn when refinancing makes sense and how to use your equity wisely.

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Refinance now

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Home refinance loan rates

Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
15 years 5.95% $50,000 $832,750 6.09%
30 years 6.45% $50,000 $832,750 6.53%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.