Refinancing with Three Bays Lending
Refinancing your mortgage can be a powerful financial tool, whether you're looking to lower your monthly payments, secure a better interest rate, or tap into your home’s equity. At Three Bays Lending, we make the refinancing process simple, transparent, and tailored to your goals.
Why Refinance?
— Lower Your Interest Rate – Secure a better rate and save money over time.
— Reduce Monthly Payments – Free up cash flow for other financial goals.
— Shorten Your Loan Term – Pay off your home faster and save on interest.
— Access Home Equity – Use your home’s value to fund renovations, consolidate debt, or invest elsewhere.
— Switch Loan Types – Transition from an adjustable-rate mortgage (ARM) to a fixed-rate loan for more stability.
Is Now the Right Time to Refinance?
If you bought a home in 2022 or later, there's a strong chance you can benefit from today’s rates. Even a small reduction in interest can lead to significant long-term savings. Our team will review your current loan and present refinancing options tailored to your needs.
VA Home Loan Refinancing
For veterans and active military members, refinancing with a VA Interest Rate Reduction Refinance Loan (VA IRRRL) could mean lower payments with little to no out-of-pocket costs. If you’re eligible for a VA loan, we’ll help you maximize its benefits.
Let’s See What’s Possible
With a quick review of your mortgage, we can determine if refinancing is the right move for you. There’s no obligation—just honest guidance to help you make the best financial decision.