A refinance could help you solve a range of different goals, and we’re here to help make your goals come to life.
Let our experts make sure your mortgage is working hard for you.
Call 1-855-297-3895 today for your free refinance analysis
A refinance should be simple. It should be fast. And it shouldn’t cost you an arm and a leg. That’s what we believe, and it’s also what we deliver. You’ll get a dedicated mortgage expert to serve as your single guide through our streamlined process. And because we know that closing costs can at times present a refi hurdle, we make it a point to keep our lender fees as low as possible.
We’re proud to serve the home lending needs of clients across the country.
Unsure if refinancing is right for you? Let our mortgage experts run your numbers for you.
Here are today’s rates on our popular fixed-rate mortgage offering. For the latest ARM rates, give us a call at 1-877-436-4381.
Lowering your mortgage payment can increase your monthly cash flow, and could help you start tackling your other debts and expenses. One way to accomplish this is by refinancing to a lower rate, with another option being to extend your loan term. Our mortgage experts can help you decide which choice is right for you.
When it comes time to make your final mortgage payment, make it with confidence. By shrinking your mortgage term today, you’ll pay off your loan quicker, and you could pay a lot less for it. Sure, your monthly payment may increase, but interest savings could be substantial and mean big things for your long-term financial picture.
No one likes to be surprised with sudden increases in their monthly expenses. But that’s exactly what can happen when the rate starts moving on an adjustable rate mortgage. If you’re nearing or even beyond your initial fixed rate period, now may be the time to regain your mortgage peace of mind with a fixed rate loan.
Have you been eyeing a major home improvement? Would you like to consolidate and pay off higher interest debts you may have? To fund goals like these, a cash out refinance could be the answer you’ve been looking for. And depending on your current mortgage rate and how much equity you take out, it’s possible that your monthly mortgage payment may only slightly change.
Here are the key steps you can expect when refinancing your mortgage.
When you apply, you’ll tell us about your refinance goal and provide some basic information about your income, assets and expenses. This is a good time to start gathering important documents such as recent pay and bank statements. Next, our experts will work with you to determine the right option for you. There are many different things to consider when choosing your new loan type, and our team of dedicated mortgage experts is here to help.
When you refinance, all loan processing and underwriting occurs in-house at TIAA Bank. This streamlines our operations and can work to your advantage by helping you close sooner. During this time, our teams will review the information you provided and work with you to ensure that all paperwork has been submitted. Now is also the time that they will order an appraisal, if required.
Loan approval is clearly a very important step in the refinancing process. Once approved, your mortgage expert will be in touch to deliver the good news and schedule your closing date.
The final and most exciting step in the process is closing. This is where you’ll sign a variety of legal and other documents including your new mortgage. Now you can enjoy the benefits of your new loan. Congratulations!
Get started online today or give us a call.
1-855-297-3895 Monday – Thursday, 9 a.m. – 8 p.m. (ET) Friday, 9 a.m. – 7 p.m. (ET) Saturday, 9 a.m. – 5 p.m. (ET)
Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.
All rates and Annual Percentage Rates (APRs) are accurate as of .
Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.
All rates and Annual Percentage Rates (APRs) are accurate as of .
Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.
All rates and Annual Percentage Rates (APRs) are accurate as of .
Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.
All rates and Annual Percentage Rates (APRs) are accurate as of .
Need to maximize cash flow? Our Preferred Equity Line—interest only option—could be a great way to keep payments low at the onset. Pay interest only during the initial draw period of this variable rate 30-year loan. You may access up to 90% of the line at closing.
Note: Not available in all states.
Current variable rates as low as 3.490% APR
If you plan to be in a home for the long haul, paying principal and interest over the life of the line may be the right answer for you. It’s certainly the right answer for building equity in the property. You may access up to 100% of the line at closing.
Note: Not available in all states.
Current variable rates as low as 3.490% APR
When you pair a conventional TIAA Bank home loan with our Preferred Equity Line, you could make a low down payment and avoid mortgage insurance—all while keeping your financial strategy on track. You may access up to 100% of the line at closing, with a line maximum of $500,000.
Note: Not available in all states.
Current variable rates as low as 4.625% APR
Your new home loan answer is just around the corner. And our mortgage experts are standing by to show you a better path to your home loan goals.
We received your request and will be in touch shortly.
1-855-297-3895 Monday – Thursday, 9 a.m. – 8 p.m. (ET) Friday, 9 a.m. – 7 p.m. (ET) Saturday, 9 a.m. – 5 p.m. (ET)
