Meet your financial goals with the right mortgage solution

Talk with a Mortgage Expert about why you want to refinance your mortgage. They'll help you find the right loan to achieve your goal. Options include Traditional Refinance solutions, as well as the government's Home Affordable Refinance Program (HARP).1


Benefits of a Traditional Refinance

Reduce your term or lower your monthly payment to save money

Saving money—that's the attraction of a home refinance. Take a look at some of the ways you could add more money into your household budget.

  • Term reduction: By reducing the term of your mortgage, you'll pay less interest over the life of the loan.
  • Lower monthly payments: Refinancing to a lower rate could reduce your monthly payments.

Refinance to a stable fixed-rate mortgage

Stabilize and potentially lower your monthly payments and take control of your household budget.

Debt consolidation

If you have equity in your home, refinancing and getting cash back could be an excellent option for you. Use the money you get back to pay off high-interest debts, save for college, make home improvements—whatever works best for you.

Interested in Traditional Refinancing or have questions?

Call 800.669.3595 to talk to a Mortgage Expert now.

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Home Affordable Refinance Program

Concerned your mortgage loan balance is greater than the value of your home? You're not alone. And with the government's Home Affordable Refinance Program1, we're prepared to help you find a solution. If your mortgage is backed by Fannie Mae or Freddie Mac and was sold to them on or before May 31, 2009, you may qualify to start your refinance today.

Key features include:

  • Appraisals may not be required2
  • No minimum credit score3
  • No private mortgage insurance (unless you currently have it)
  • Primary, Second and Investment properties eligible
  • Sign closing paperwork at home

Interested in HARP Refinancing or have questions?

Call 866.765.0712 to talk to a Mortgage Expert now.

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Mortgage Calculators

Fixed-rate mortgage calculator

ARM vs. fixed-rate mortgage

Mortgage APR calculator


Get started today

Everhome Mortgage, a division of EverBank. EverBank is an Equal Housing Lender.

1. The Home Affordable Refinance Program (HARP) is part of the government's Making Home Affordable program that is geared to borrowers who are making timely mortgage payments but have been unable to refinance due to low home equity. Not all loans are eligible.
Customer must qualify for program based upon eligibility requirements set forth by HARP. Loans with subordinate financing may have additional eligibility requirements. Freddie Mac and Fannie Mae have adopted changes to HARP and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP.
You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: or

2. Applies to Fannie Mae-owned loans only. Freddie Mac-owned loans will require an appraisal.

3. Restrictions apply. Call for details