Lower your monthly payment, pay off sooner—or both!
Refinancing your mortgage to a better rate or shorter term can save you thousands over the life of your loan. We make it fast, easy, and transparent because that’s what you deserve.
Today’s live rates
What Is a rate and term refinance?
Think of it as resetting your mortgage, not starting over. A rate and term refinance replaces your existing mortgage with one that aligns with your current financial goals. No cash out, just smarter terms designed to help you save and stay in control.
When is it the right move?
- Your current interest rate is higher than today’s market rates
- You want to shorten your loan term and pay off your mortgage faster
- You want to switch from an adjustable-rate to a fixed-rate mortgage
- You want to remove mortgage insurance (PMI) and lower your overall cost
How it works
01
Apply online in just a few minutes
Start your application from any device—no paperwork, no pressure, and no waiting. Just fast, easy progress.
02
Explore your personalized loan options
We’ll show you side-by-side offers tailored to your goals: monthly savings, faster payoff, or long-term stability.
03
Get approved with full transparency
Our team quickly reviews your docs and explains every number, so you know exactly what to expect with no surprises.
03
Close confidently and start saving
We handle the final steps, schedule your closing, and guide you through a smooth finish with better terms ahead.
Why Revix?
Smarter Tech
Our platform compares real-time loan options based on your financial goals, not a lender’s agenda. You’ll get recommendations powered by data, not guesswork. It’s fast, precise, and always in your best interest.
Lower costs, more control
We cut unnecessary fees and overhead, passing those savings directly to you. You'll get clear visibility into every cost, fewer surprises, more savings, and a loan that works on your terms.
Clear Communication
We keep you informed every step of the way. Whether it’s a quick update or a big milestone, we’ll explain what’s happening in real terms, so you never feel lost in the process. Expect clarity, not confusion.
Real savings, real results
Let’s say you refinance a $325,000 mortgage from 7.25% to 6.25%. That could mean a monthly savings of around $265, and more than $31,000 saved over the next 10 years.*
“The application process was fast, transparent, and saved me a ton of time compared to my bank.”
Travis Ford, Homebuyer
“I loved being able to handle everything online — a super simple and truly stress-free experience.”
Jessica Martinez, Cash-Out
“Revix made refinancing my home incredibly easy, affordable, and way quicker than I expected.”
Robert Chen, Refinance
Frequently asked questions
Will a rate and term refinance reset my loan term?
It depends. You can choose to refinance into a new 30-year term or a shorter one like 15 or 20 years. We’ll show you the cost difference so you can decide.
Are there closing costs?
Yes, like any mortgage, there are closing costs. But we’ll show you how long it takes to break even, so you know whether it’s worth it.
Do I need an appraisal?
In some cases, yes. But many refinances qualify for an appraisal waiver—we’ll let you know early in the process.
What credit score do I need?
Typically, a 620 or higher is recommended, but we’ll help you understand your options no matter where you stand.
Learn. Explore. Get ahead.
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Ready to save?
You’ve done the hard work—now let your mortgage work smarter. Lower your payment, shorten your term, or lock in a better rate. No guesswork. Just savings.