--- title: Refinance - Point Equity Residential Lending description: Refinancing allows families to save money on their mortgage payment, consolidate debt, or pull money out to make important purchases. If it makes sense, and is a smart move for you, refinancing has the power to put more money in your pocket. Find out if it's right for you! image: https://www.pointequity.com/hubfs/Anniewithsign.png --- [![916-248-4620](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e) [![Apply Now](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df) [![Point Equity](https://www.pointequity.com/hs-fs/hubfs/Point_Equity_April2018/Images/point_logo3.png?width=120&name=point_logo3.png "Point Equity")](https://www.pointequity.com/) ** # **Is refinancing right for you?** If you are worried about an adjustable rate mortgage, or if you are just beginning to have payment problems, you may be able to refinance. [![Apply Online](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/d4c08b20-688f-4a81-8b24-23e657be1ff0.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/d4c08b20-688f-4a81-8b24-23e657be1ff0) ![white_family_girl-Nov-16-2021-08-03-29-90-PM](https://www.pointequity.com/hs-fs/hubfs/white_family_girl-Nov-16-2021-08-03-29-90-PM.png?width=637&name=white_family_girl-Nov-16-2021-08-03-29-90-PM.png "white_family_girl-Nov-16-2021-08-03-29-90-PM") ## **What is a refinance?** Refinancing gives you completely new mortgage with new terms, interest rates, and monthly payments. The new loan replaces your current mortgage and may lower your payment, which could help improve your financial situation.  ** #### Save Money Save money and reduce monthly payments by refinancing a high interest rate or adjustable rate mortgage. ** #### Access Cash Leverage your existing home equity to refinance and get cash for education, investing, or home improvements. ** #### Consolidate Debt Pay off high interest rate debts using equity from your home and consolidate for a lower interest rate. ## **Is it the right time to refinance?** If you're not sure refinancing is right for you, we can help. There are lots of great reasons to refinance, but it's not right for everyone. Contact us and we'll help you map out what makes the most sense for your financial future. [![Contact us](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ae092409-c633-4bf8-9c01-41cc29ec3d0b.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ae092409-c633-4bf8-9c01-41cc29ec3d0b) ## **This is all about you.** We're extremely proud of the work we do.  Here's what our clients say about working with Point Equity. ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo2.png?width=1850&height=496&name=point_logo2.png) Justin helped us buy our first home and refinance the same home a few years later. He took the time to explain all options available to us and he guided us toward the best option for us both times. #### Kimberly West Sacramento ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo2.png?width=1850&height=496&name=point_logo2.png) Working with Point Equity to refinance my home was on point! I needed a certain amount cash out but I needed reasonable payments. Alex made sure to keep in contact with me and let me know how best to make that happen. #### Debbie Roseville, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo2.png?width=1850&height=496&name=point_logo2.png) Super Helpful, Extremely Patient. Made the refinance process so easy and painless. Even arranged for someone to come to my house to sign the paperwork. #### Daman Sacramento, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo2.png?width=1850&height=496&name=point_logo2.png) They know what they are doing, my refinance and purchase went so smooth and quick! I work at a financial institution and see people all the time so fed up with the mortgage process but they walk you through everything and make it easy! I would never use any other mortgage company!!   #### Raynelle Ione, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo2.png?width=1850&height=496&name=point_logo2.png) My wife and I came across Point Equity while seeking pre-approval on our second home. Within a very short amount of time we were signing papers for the re-fi to complete what was a very seamless and painless process. Brilliant! #### Andy Auburn, CA ## Contact us. We're here to help, and eager to hear your story. Contact us and get some answers. [![Contact us](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ae092409-c633-4bf8-9c01-41cc29ec3d0b.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ae092409-c633-4bf8-9c01-41cc29ec3d0b) ## **Know more.** Empower yourself with knowledge to make smart decisions. These helpful tools and resources will help you enjoy the process of getting a home loan, and feel confident in your financing choices.  [![](https://www.pointequity.com/hubfs/Man%20Thinking%20of%20Home%20(Blue%20House).png) ](https://www.pointequity.com/blog/psychology-of-home-shopping) ## [The Psychology of Falling Out of Escrow](https://www.pointequity.com/blog/psychology-of-home-shopping) April 15, 2025 Or why losing your favorite dessert can be like shopping for your dream home. You head out for ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ [Learn More](https://www.pointequity.com/blog/psychology-of-home-shopping) [![](https://www.pointequity.com/hubfs/Two%20Boys%20Eating%20Ice%20Cream.png) ](https://www.pointequity.com/blog/speculation-is-hard) ## [Why Predicting Mortgage Rates IS HARD (And What ...](https://www.pointequity.com/blog/speculation-is-hard) March 16, 2025 To understand why prediction is hard, look no further than a short story about my kids + ice cream. ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ [Learn More](https://www.pointequity.com/blog/speculation-is-hard) [![](https://www.pointequity.com/hubfs/Wood%20Blocs%20Spelling%202025%20with%20Wooden%20Toy%20House.jpeg) ](https://www.pointequity.com/blog/buying-a-home-in-2025) ## [Buying in 2025 - Some Things to Know if You Plan ...](https://www.pointequity.com/blog/buying-a-home-in-2025) December 31, 2024 If you’re considering buying a home in 2025, understanding the market landscape can help you make ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ [Learn More](https://www.pointequity.com/blog/buying-a-home-in-2025) ![](https://cdn2.hubspot.net/hubfs/3842749/Icons/003-new-email-outline.svg) E-mail address #### [info@pointequity.com](mailTo:info@pointequity.com) ![](https://cdn2.hubspot.net/hubfs/3842749/Icons/002-phone-call.svg) Contact us #### [(916) 248-4620](tel:+9162484620) ![](https://cdn2.hubspot.net/hubfs/3842749/Icons/001-handshake.svg) Contact Us #### [More Ways to Reach Out](https://www.pointequity.com/contact-us) [![point_logo](https://www.pointequity.com/hs-fs/hubfs/point_logo.png?width=1849&name=point_logo.png "point_logo")](https://www.pointequity.com) Point Equity Residential Lending 915 Highland Pointe Dr. Suite 160 Roseville, CA 95678   [Local: (916) 248-4620](tel:9162484620) [Toll Free: (888) 551-5110](tel:9995515110) Fax: (916) 914-2306 [info@pointequity.com](mailto:info@pointequity.com) ##### [Buy a Home](https://www.pointequity.com/buy-a-home) ##### [Refinance](https://www.pointequity.com/refinance) ##### [About Us](https://www.pointequity.com/about-us) ##### [Join the Team](https://www.pointequity.com/join-the-team) ##### [Contact Us](https://www.pointequity.com/contact-us) ##### [Resources](https://www.pointequity.com/blog) ### Subscribe to our Newsletter! Point Equity Residential Lending, NMLS ID 1404205. [NMLS Consumer Access Link](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1404205)    Main Office is at 915 Highland Pointe Dr. Suite 160, Roseville, CA 95678. Telephone Number: 916-248-4620. Equal Housing Lender. Licensed in: California (60DBO-56023 & 01987090), Idaho (MBL-2081404205), Washington (CL-1404205). Information, rates, and programs are subject to change without notice and may not be available in all states. This is not an offer to enter into an agreement. All products are subject to credit and property approval.   © Copyright  2020 Point Equity Residential Lending | [Privacy Policy](https://www.pointequity.com/privacy-policy) | [Disclaimer](https://www.pointequity.com/disclaimer)   All information contained herein is for informational purposes only, and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. Equal Housing Opportunity. [**](https://www.facebook.com/pointequity/) [**](https://www.linkedin.com/company/pointequity/) [**](https://www.instagram.com/pointequity/)