Talk to a Mortgage Specialist: (866) 219-4365

If you need access to funds, we can help with our cash out refinance options.

Fremont Bank offers competitive mortgage rates and personalized service. Our relationship loan officers work with you for a smooth, trouble free mortgage lending experience.

Refinancing a Mortgage¹

Fremont Bank has built a strong reputation as a refinance leader. And now may be a great opportunity to access the equity in your home or get a lower interest rate, especially if your home value has risen or if interest rates drop. Refinancing can help you lower your monthly payments, reduce your total payment amount, consolidate debt or get cash out to put your home equity to good use. Whatever your purpose is to refinance, we’ll help you through the process from rate locking to signing.

Cash-Out Refinance

With a cash-out refinance your existing home loan is replaced with a new one at a higher loan amount than you owe and you receive any remaining funds to use as you wish. A cash-out refinance could be a great option to access your home’s equity. You can also access your home’s equity through a Home Equity Line of Credit by borrowing against your home’s equity through a revolving line of credit – call us to learn more about this option.

Lower Your Monthly Payments¹

Lowering the amount of your monthly payment can have a positive impact to your budget and may increase your cash flow.

Reduce Your Interest Rate¹

Refinancing when mortgage interest rates fall may generate greater cash flow. You can either lower your monthly payment and maintain your current repayment term, or reduce your repayment term and pay a constant monthly payment.

Pay Off Your Loan Faster¹

If you want to pay off your home loan sooner and potentially reduce the overall cost of interest, refinance for a shorter loan term. This may enable you to pay off mortgage debt faster and focus on other major priorities, like college tuition and retirement. Typically you have a higher payment, but the repayment period will be less.

¹ Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation.

* No Closing Cost loans are subject to terms and conditions of Fremont Bank’s Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on the Closing Disclosure. Application fee is non-refundable if your loan is denied, withdrawn, or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

Call (866) 219-4365 today to speak with a mortgage specialist or complete the form above for a free no-obligation consultation.

Hear what our clients are saying about Fremont Bank

“I've had at least five home loans with Fremont Bank over the years. They have the best rates and the people are so helpful.”

- John D., Hayward