Refinancing
Cash-Out Refinance or Second Mortgage: Compare the Whole Debt
Compare replacing your first mortgage with adding a home equity loan or HELOC. Review costs, repayment time and how much cash reaches you.
THE ECHL BLOG
Refinancing
Evaluate a new loan against your current mortgage and long-term plans.
Looking for the essential steps? Start with our buyer and homeowner guides.
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Refinancing
Refinance Costs and Savings: Read Beyond the New Payment
Compare refinance fees, credits, financed costs, remaining balances and payoff dates. Learn what a payment calculator leaves out of the decision.
Refinancing
Refinancing FHA to Conventional: Compare More Than Mortgage Insurance
Review FHA MIP duration, possible conventional PMI, refinance costs and remaining loan terms before replacing an FHA mortgage.
Refinancing
USDA Refinance Options: Compare the Three Paths and Their Limits
Review USDA non-streamlined, streamlined and streamlined-assist refinancing, including cash-out restrictions, subsidy recapture and cost comparisons.
Refinancing
VA Cash-Out Refinancing: Check Eligibility, Net Cash and the New Mortgage
Compare VA cash-out refinancing with an IRRRL or second loan. Review COE eligibility, appraisal, funding fees, occupancy and the full repayment cost.