Refinance Rates

Zero Regrets Refinancing

Whether you’re looking to lower your monthly payment, shorten your term, or get cash out - we’re here to help get you through the process with our Zero Promise: 

Zero Application Fees, Zero Lender Fees*, Zero Hassles

Complete our online application in less than 15 minutes.
Pick the rate that best fits your personal needs.
Rely on our online resources and your loan advisor.

The Bottom Line

Mortgage Refinance Checklist

Refinancing can allow homeowners to cash out on equity, reduce payments, or lower their rate. But the paperwork and knowledge needed to navigate the process can easily become overwhelming.

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How to Refinance a Mortgage: Process Guide

Been wondering whether refinancing could benefit you? In this guide, we’ll cover the reasons you might want to refinance, the process you’ll have to follow, and all the questions you’re probably asking.

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What Is a Cash-Out Refinance?

A cash-out refinance is the process of taking the equity you have built in your home in the form of a cash deposit into a designated account or physical check.

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This is what our customers think about us.

Simple said- this is your company to use. No games or fast talk. Quotes back were quick and precise. Process is online, with minimal paperwork to sign and print. Closing was at my home and straight forward. Was done in 30 minutes. Couldn’t have asked for anything else, will use again in the future.

Jake T


Great rate, super convenient application process. I worked with Alexander Rodriguez and he was fantastic - answered my questions quickly, made sure I understood what was going on throughout the whole process, and worked really hard to resolve some appraisal issues that took longer than expected to resolve. Other than that, this was a relatively painless process.

B Campbell

Dallas/Fort Worth, TX

Interfirst offered me by far the best rate for a refinance. Nobody could beat their offer. It seemed almost too good to be true. I was skeptical at first but my loan processor Rodney Bagley earned my trust. He communicated clearly and was always available to answer questions throughout the process. In fact, during closing there were some errors found that were made by the title company. I emailed Rodney about it and he called me right away. He worked hard to find a solution quickly, and then followed up with the manager at the title company so they could improve their processes going forward. He was very dedicated to providing the best service and he did a great job. Rodney is the reason I give Interfirst such a stellar score.

Aaron H

Pflugerville, TX

From start to finish, I had a wonderful experience with this company for my refinance. They had the lowest closing costs by far! Even my friend who owns a mortgage brokerage couldn't beat them! The process of submitting all my documents through the online portal couldn't be any easier. They were very responsive to any questions. Everyone I spoke with were extremely friendly and very customer oriented. They clearly wanted to make sure you got the best deal possible. They even set it up to where a notary came to my house for closing, so I never had to leave home for any part of the refinance process. I'd do business with them again in the future. Highly recommend!

Bret R

Esses, MD

This was my first time doing a re-finance, so I did not know what to expect. Everyone at Interfirst Mortgage were great. They were very efficient and I could not believe how quickly everything was processed and closed. I got a much better rate, over less years and no closing costs, exactly as they promised at the start. My wife and I are very happy with the whole process thanks to Interfirst Mortgage.

Alan C

Reynoldsburg, OH

I am so happy I found Interfirst to complete my mortgage refinance. They provided the absolute best rate combined with lowest closing costs, and I had shopped around and gotten quotes at half a dozen lenders before choosing them. The process was smooth and easy from start to finish. The online portal to apply and upload documents was user friendly. Crystal, our loan originator, was great! She was very professional and quick to respond and answer any questions. Jessica finished the underwriting so quickly. Overall, it was an amazing experience so if your shopping around for a lender don't hesitate to go with Interfirst. These kinds of things can be stressful, but you will be in good hands with them!

Julie T

Turlock, CA

Alex and the whole InterFirst team were exceedingly professional - quickly addressing my concerns and helping me to get through all the steps required in obtaining a mortgage. It felt almost like a concierge experience, despite the fact that this was the standard offering on a fairly typical 10-year mortgage refinance.

Jitin A

Newfields, NH

Having purchased/refinanced a few homes and also working in the mortgage field, Dakota was excellent. His email replies were very quick and never beat around the bush. We were going to refinance with our current lender, but after many times of not getting replies or answers we requested, we looked elsewhere and found Interfirst and Dakota. Process was smooth and very quick. Thanks for your hard work and excellent customer service!

James L

West Des Moines, IA

My refinance process was quick and went without a glitch. Boris was responsive, responsible, motivated, and very helpful throughout the process. Highly recommend.

Larisa R

Bradenton, FL

Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with ZeroMortgage.

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Essential Terms

Annual Percentage Rate (APR)

APR is the annual percentage rate of a mortgage loan. It takes into consideration not only the interest rate, but includes all costs listed on the settlement statement, such as settlement charges, appraisal and lender fees, as well as discount points that come with the loan. APR is essentially the full cost of the mortgage. Knowing your loan APR allows you to compare loan offers that come with different interest rates and fees.


Equity describes the amount of value that you have in your home based on how much of the loan you have paid off. When you first purchase your house with an FHA loan and put down 3.5% as a down payment (or with a conventional loan at 15%), that down payment counts as equity. Note that as you make monthly payments, the portion that goes to paying off interest does not count as equity.

Interest Rate

An interest rate is the amount of interest charged on a loaned amount of money to the borrower. Lenders determine interest rate by evaluating the risk that they take on by giving out the loan, looking at factors including the borrower’s financial history and credit score, the loan-to-value ratio, loan term, and monthly payment amounts.