See your refinance rate in a few clicks

Take advantage of a 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

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Apply 100% online with no trips to the bank

15 and 30-year
terms

Find the option that works best for you. Figure now offers a 15-year fixed mortgage refinance!

Up to $500,000 cash-out using your equity

Refinance completely online and get cash from your home equity, all at a potentially lower rate.3  navigates to the related disclosure

Jumbo refinance available

For a rate refinance, you can borrow up to 80% of your home’s value (max $2,000,000.)

Dedicated member support

We’re here to help! Call us at 888-697-1506 Monday through Saturday. 6am–6pm PT.

How it works

How it works

Tell Us About Yourself

Apply easily with our 100% online application. Just provide some information, and we’ll automatically gather the rest using our secure and automated process.

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.

Need more information before you apply?

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©2021 Figure Technologies, Inc

Figure Lending LLC dba Figure 15720 Brixham Hill Ave, Suite 300 Charlotte, NC 28277

General Customer Support:

888-819-6388

Mortgage Refinance Support:

888-697-1506

Figure Lending LLC dba Figure | NMLS #1717824 - For licensing information, go to www.nmlsconsumeraccess.org  Opens a new window.

Figure Home Equity Line is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, VA, VT, WA, WI, WY with more states to come.

Figure Mortgage Refinance is available in AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV with more states to come.

Figure Personal Loan is available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY with more states to come.

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This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

1

Interest rates change daily so your exact interest rate will depend on the date you apply and lock your rate. A typical rate on a Figure Mortgage Refinance loan is 2.73% (2.793% APR). A typical rate on a Figure Purchase Mortgage loan is 2.73% (2.836% APR). The average loan amount of $417,007.00 with the average rate above would result in 360 monthly payments of $1,697.98. The monthly payment amount stated does not include taxes and insurance, which will result in a higher payment if these amounts are escrowed. Applicants will be required to pay 20% of the loan amount as a downpayment at origination for a purchase mortgage, or demonstrate an 80% loan-to-value ratio for a mortgage refinance. Terms and conditions apply.

2

To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

3

Our cash-out amounts range from a minimum of $2,000 to a maximum of $500,000. Your maximum cash-out amount may be lower than $500,000, and will ultimately depend on your home’s value and equity at the time of application, and your ability to qualify.