Timing Is Everything in Life… and in Refinancing
Today’s Rate. Tomorrow’s Benefits.
Timing your mortgage refinance for maximum savings can feel like searching for a needle in a haystack. The good news? You’ve already taken the first smart step by being here.
Ready to see your options?
Refinancing Benefits
Here’s the Rundown on Refinancing
Simply put, refinancing means replacing your current mortgage loan with a new one – usually to lock in a better interest rate or loan term. It can help you save money, reduce the total interest you pay, or even tap into your home’s equity.
Curious about how refinancing could work for you? Run some initial numbers with the calculator below:
Motto Mortgage Blog
Refinance Resources
Why Motto?
Diverse Loan Solutions
So many loan options, so many choices – your local mortgage pro has access to the most competitive refi solutions for you.
Why Motto?
A Refreshingly Simple Process
You already know the mortgage drill – now let’s make it effortless. We pair great people with smart technology to make refinancing refreshingly simple.
Why Motto?
People-First, Always
You’re more than just a file to us – our local mortgage pros are here to guide you and support your unique goals every step of the way.
Frequently Asked Questions
Refi Questions? We’ve Got Answers.
A refinance replaces your current mortgage loan with a new one – usually to secure a lower interest rate or shorter loan term. It can help you save money, reduce the total interest you pay, and even tap into your home equity.
A Motto loan originator can help you assess your situation and determine if refinancing is the right move. You’ll want to consider factors like changes in your home equity, credit score, and debt-to-income ratio.
You can expect a similar timeline to when you first got your home loan, typically 30-45 days depending on the lender. A Motto loan originator will be able to give you more specifics about your situation.
It depends. If you’re seeing rates lower than your current one, reach out to a Motto loan originator today to see if you could benefit from a refinance.
Yes, the most common types are cash-out, rate-and-term, and streamline refinances.
Success Stories
Hear From Borrowers Just Like You
Thank you so much. Great Service and Products.
Great experience working with Rebecca and team.
Sherrie is indeed a pure treasure! Without her our journey would have not been possible! Relocating from Europe after so many years, with only a foreign credit history and no clue of the local processes: we would have been lost without her! She managed the impossible, when traditional banking institutions didn’t even want to talk to us as we had no local records available. Thanks to Sherrie our dream came true! She worked hard for that, never gave up and did everything to support us in every single step. She was always there for us to help and answer questions. Thanks to her, we now have an amazing VA loan, giving us the opportunity to finally purchase our dream home. We are grateful we had her on our side! We did not just get to meet a wonderful soul but also a new friend in beautiful North Carolina! She’s exceptional! And so are the partners she works with!
Working with Dalton and his team was such a really positive experience from start to finish. He was always professional, knowledgeable, and took his time to make sure I understood what was going on throughout the process. As a young, first time home owner he was able to make this process as seamless as possible
Dalton from beginning to end was on top of it. He is a realist that is responsive, dedicated, and has a good team that will make it happen. I had a purchase that proved difficult due to the location, type of home, and repair complications. Dalton was critical in working through the issues and leading to a successful purchase. He is a good man, and I highly recommend him.
Highly impressed with Taylor, He kept us informed regularly, let us know what was needed, answered all our questions, and he made sure we were comfortable. We closed yesterday, and are extremely happy. Thank you so much for all your hard work,it's truly appreciated. If anyone is in need of a Mortgage advisor,, definitely call Taylor at Motto Mortgage. He will do his best to help. Tell him Larry sent you.
Dalton was very easy to work with. He was very communicative and fast to respond (even when he was on vacation)!! He helped us from the very beginning to the very end. I recommend him!!
My family and I moved back closer to Lincoln in late 2024, right as Jordan was getting Motto off the ground. His experience and commitment helped ease our moving process. He stayed in touch and has since helped us refinance our home. Thanks.
John Bastidas is the best mortgage broker I’ve ever worked with. He handled my DSCR cash-out refinance from start to finish with incredible professionalism and attention to detail. When Ohio state rules forced the removal of the prepayment penalty, John immediately went back to the lender, negotiated 0.50% in extra credits, and kept the deal moving without any unnecessary delays. He was always responsive, explained every step clearly, and even saved me money on the appraisal fee. Thanks to John, I closed smoothly and walked away with the cash I needed to move forward on my next BRRR deal. If you’re an investor looking for a DSCR loan (especially in Ohio), John is the guy you want on your side. Highly recommend — he truly went above and beyond.
*By refinancing an existing loan, the total finance charges might increase over the life of the loan.
