Refinancing your mortgage could help you lower your monthly payment, build equity faster, or put your home’s equity to work — helping you move forward with greater confidence

A refinance built around your goals

Refinancing replaces your current mortgage with a new loan designed to better fit where you are today. We’ll help you compare options clearly so you can move forward with confidence.

Refinance into a Fixed-Rate Mortgage

Lock in a steady interest rate and predictable monthly payments, so you can plan with greater confidence.

Refinance into an Adjustable-Rate Mortgage (ARM)

Start with a lower interest rate for a set number of years. An ARM can be a strong fit if you expect to move or refinance again in the coming years.

Jumbo loan options available

For higher-value homes, jumbo refinance options may be available through select ARM products.

Ready to refinance? Meet our mortgage loan specialists

Our Mortgage Loan Advisors will begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. To apply for a loan, please select one of the advisors below and they will help support you throughout the process.

Bob Church

Bob Church

Mortgage Loan Advisor

Phone: 336-774-4135

Contact Bob

Apply now
David Zufelt

David Zufelt

Mortgage Loan Advisor

Phone: 336-774-2737

Contact David

Apply now

How to refinance your mortgage

Refinancing is simpler than many homeowners expect. We review your current loan, explain your options clearly, and guide you through each step so you feel confident moving forward.

01
Review your current loan

We look at your remaining balance, interest rate, and goals to understand what you want to improve.

02
Compare refinance options

We walk through Fixed-Rate, Adjustable-Rate, and Mortgage Eliminator options so you can see how payments and timelines may change.

03
Apply and lock in your new loan

Complete your application online and submit your documents. Once approved, you’ll review and sign final documents at closing.

Your questions, answered

Refinancing means replacing your current mortgage with a new loan that may offer a different interest rate, payment, or term. Homeowners in North Carolina often refinance to secure steady payments, lower their rate, or shorten their loan timeline. 

Refinancing may make sense if you want more predictable monthly payments, a lower starting rate, or a shorter loan term. It can also help align your mortgage with changes in your financial goals or homeownership plans. 

A fixed-rate refinance keeps the same interest rate for the life of the loan, offering stable monthly payments. An adjustable-rate mortgage (ARM) starts with a lower fixed rate for a set period, then adjusts annually based on market conditions. 

Refinancing timelines vary, but the process is similar to your original mortgage. After you apply and submit documentation, your loan is reviewed, approved, and finalized at closing. Your mortgage specialist will guide you through each step. 

Yes. Jumbo refinance options may be available for loan amounts above the conforming limit of $832,750 through select ARM products. Availability and eligibility depend on credit qualifications and lending guidelines. 

Refinancing typically costs between 2% and 5% of your loan amount. These costs may include appraisal fees, title services, lender fees, and other closing expenses. 

The exact amount depends on your loan size, property, and the type of refinance you choose. In some cases, you may be able to roll certain costs into your new loan, but that can affect your total balance and monthly payment. 

A quick review of your goals and numbers can help you decide whether the long-term savings outweigh the upfront costs.