Mortgage Refinance

The fastest and easiest way to refinance

Take advantage of a 30-year fixed rate cash-out mortgage refinance. Get a potentially lower rate, with the option to get cash out so you can use the money when you need it most.1  navigates to the related disclosure

Pre-qualification does not affect your credit score.2  navigates to the related disclosure

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.

Option to cash-out with refinance

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

30-year fixed term

Figure offers a 30-year fixed term on primary residences only at this time. If you choose to pay off your loan early, there is no prepayment penalty. (Refinances on second homes and investment properties aren’t being offered right now.)

Dedicated member support

Our average response time is less than 15 seconds. Call us at 888-819-6388 Monday through Saturday, 6am – 6pm PT.

Looking to access cash quickly?

Refinance with the option to cash-out. Figure offers a 30-year fixed term mortgage refinance on your primary residence. Replace your existing mortgage with a new one for an amount that’s greater than what you owe and access the difference in cash. If you choose to pay off your loan early, there is no prepayment penalty. Access funds to move forward with what matters now.

How we compare to other lenders



Other Lenders

Minutes to apply

Days (not months) to close

At-home closing process

100% online application

Fast access to customer service

How it works

How it works

See what our members are saying

Don’t just take our word for it—read what our members have been saying about their experience with Figure.

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