Mortgage Refinance

The fastest, easiest way to refinance

Get a potentially lower rate, with the option to get cash out so you can use the money when you need it most.

Pre-qualification does not affect your credit score.

Apply online in minutes and close in days, not months.

100% online application

The automated application speeds up the entire process so you can receive your funds quickly, with no hassle.

Cash-out option

This way enables you to refinance your mortgage and get the cash you need, all at a potentially lower rate.

Dedicated member support

We’re happy to help you through the steps or answer any questions. Call us at 888-819-6388 Monday through Saturday 6am–6pm PST.

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Other Lenders

Minutesto apply

Daysto apply

Automated income & asset verification

Manual income & asset verification

Close fasterthan other options

39 daysto close (avg.)

At-home closing process

Manual closing

100% online application

In-person

Complete from the comfort of your home

Many trips to the bank, title company, and more

Fund your life faster—refinance with the option to cash-out

Replace your current mortgage with a Figure Mortgage Refinance. Get a better rate with us, with the option to cash-out if you need it. Looking to make home improvements, pay off high-interest debt, or fund important projects? With Figure, you can replace your existing mortgage with a new one for an amount that’s greater than what you currently owe. Use the cash difference toward what’s important to you.

Pre-qualification does not affect your credit score.

Ready to get started?

1

Get pre-qualified in a few clicks

Tell us a few things about yourself. We’ll immediately show you a pre-qualification rate that won’t affect your credit score2  navigates to the related disclosure.

2

Apply online in minutes

We automate the gathering and verification of documents. Simply link your accounts and we’ll do the rest. All of your data is secure with 256-bit encryption.

3

Receive your funds faster

Close and sign documents from the comfort of your own home, much faster than the standard industry wait time. Get cash-out to use on what’s important to you.

Pre-qualification does not affect your credit score.

Questions? We’re here to help.

No worries. To generate a quote, we only take a peek into your credit. Your score won’t be affected until you fully submit your application.

It depends on your situation, but the max amount of cash that can be taken out is $500,000.

You can borrow up to 80% of your home’s value as your new mortgage amount, with up to $500,000 in the form of cash back. This is subject to the Federal Housing Finance Agency’s annual conforming loan limits.

Approval can come in as little as 10 minutes, depending on your situation.

Single family homes and townhouses qualify for our mortgage refinance.

Your security is important to us. That's why we encrypt everything.

Will checking my rate impact my credit?

No worries. To generate a quote, we only take a peek into your credit. Your score won’t be affected until you fully submit your application.

How much cash can I take out when I refinance my home?

It depends on your situation, but the max amount of cash that can be taken out is $500,000.

How do you calculate how much money I am eligible for?

You can borrow up to 80% of your home’s value as your new mortgage amount, with up to $500,000 in the form of cash back. This is subject to the Federal Housing Finance Agency’s annual conforming loan limits.

How long does it take to get approved for a loan?

Approval can come in as little as 10 minutes, depending on your situation.

What types of properties are eligible?

Single family homes and townhouses qualify for our mortgage refinance.

Is my personal information secure?

Your security is important to us. That's why we encrypt everything.