Lock in Today's Low Refi Rate
Lock in Today's Low Refi Rate
See your personalized 30-year fixed refinance options and potential monthly savings in minutes.
No obligation, no impact to your credit to check.
See your personalized 30-year fixed refinance options and potential monthly savings in minutes. No obligation, no impact to your credit to check.
Top Lender For Mortgage Refinance
Aletta Horton
Top Rated Home Mortgage Lender
15 & 30-Year Conventional Refinance
Rate-and-Term Refinance Loans
Cash Out Refinance Loans
FHA Cash Out & Streamline
VA Cash Out & IRRRL/Streamline
Top Lender For Mortgage Refinance
Aletta Horton
Top Rated Home Mortgage Lender
15 & 30-Year Conventional Refinance
Rate-and-Term Refinance Loans
Cash Out Refinance Loans
FHA Cash Out & Streamline
VA Cash Out & IRRRL/Streamline
See If You Qualify for a Mortgage Refinance
Instant Check - No Credit Score Impact!
Check in minutes if you can lower your rate, monthly payment, or cash out
No obligation and no impact on your credit score
Get personalized refinance options based on your current loan, credit & goals
See If You Qualify for a Refinance
Instant Check - No Credit Score Impact!
Check in minutes if you can lower your rate, monthly payment, or cash out
No obligation and no impact on your credit score
Get refinance options based on your current loan, credit & goals
Frequently Asked Questions...
What is a mortgage refinance?
A refinance replaces your current home loan with a new one, typically to lower your interest rate, reduce your monthly payment, change your loan term, or access home equity.
What’s the difference between rate-and-term and cash-out refinance?
A rate-and-term refinance improves your loan (lower rate or different term) without taking equity out. A cash-out refinance lets you borrow against your home’s equity and receive cash at closing.
How do I know if refinancing is worth it?
Refinancing may make sense if you can: lower your interest rate; reduce your monthly payment; pay off your loan faster; and eliminate mortgage insurance (in some cases). Your break-even point (how long it takes to recover closing costs) is key.
Will checking refinance options affect my credit score?
No, initial rate checks typically use a soft credit pull, which does not impact your score.
How much equity do I need to refinance?
Most programs require at least 5-20% equity, depending on the loan type. Cash-out refinances usually require more equity than standard rate-and-term refinances.
What types of refinance loans are available?
Common options include: conventional rate-and term refinance (15-year & 30-year fixed-rate loans); conventional cash out refinance (pull cash out of your home equity); FHA refinance (including FHA cash out & streamline); VA refinance (including VA cash out & IRRRL/streamline). Each refi type has different requirements and benefits and will depend on your original loan type.
What is an FHA or VA streamline refinance?
Streamline programs (like FHA Streamline or VA IRRRL) are designed to make refinancing faster and easier, often with: reduced documentation, no appraisal (in some cases), and faster approval timelines. You must already have an FHA or VA loan to qualify.
How long does the refinance process take?
Most refinances take 2–4 weeks, depending on your lender, documentation, and loan type.
What are the costs of refinancing?
Refinancing typically includes closing costs (often 2–5% of the loan amount), which may include lender fees, appraisal, and title costs. Some options allow you to roll these into the loan.
Can I refinance if my credit isn’t perfect?
Yes, many programs allow for less-than-perfect credit. FHA and VA loans often have more flexible requirements than conventional loans.
Which areas do you serve?
We proudly serve homeowners throughout Washington, including many of the state’s most popular cities and counties.
Cities we commonly work in include: Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent, Everett, Spokane Valley, Renton, Federal Way
Counties we serve include: King, Pierce, Snohomish, Spokane, Clark, Thurston, Kitsap, Yakima, Whatcom, Benton
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Aletta Horton is not affiliated with or endorsed by any government agency. This website is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or rates are subject to change without notice. All loans are subject to credit approval.
