A refinance could help you solve a range of different goals, and we’re here to help make your goals come to life.
Use the equity in your home to help fund your 2019 goals.
Call 1-877-436-4381 for your equity review
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.
When refinancing, make sure you get the loan that works for your financial goals and objectives. Need help choosing? We can help. Or, for current mortgage rates, simply call 1-877-436-4381.
With a lower mortgage rate, you could reduce your monthly payment, boost your cash flow, and begin to tackle goals you’ve been putting off for far too long. So if today’s rates are below your current mortgage rate, it might be time to put your refinance plans into action.
When it comes time to make your final mortgage payment, make it without regret. 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 any 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 renovation or possibly a second home? To fund goals such as this, 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.
View the key steps and various milestones that will mark your path to that new home loan.
The first step to your new home loan is the application. With this basic information in hand, our mortgage experts will work with you to determine the right loan for you. There are many different things to consider when choosing your new loan type, and we’re here to help. You may complete your application online, over the phone or in person at any of our nationwide mortgage offices. Once your application is submitted, you’ll want to start gathering important documents such as recent pay and bank statements.
All loan processing and underwriting occurs in-house at TIAA Bank. This streamlines our operations and can work to your advantage by helping to get you to closing sooner. During this time, our teams will work with you to ensure that all paperwork has been submitted and that everything is in order for a final approval of your new loan. We adhere to stringent lending policies that keep us on solid financial ground and instill confidence in all of our lending clients.
Loan approval is clearly a very key step in the process and comes from our in-house underwriting team. Once approved, your mortgage expert will be in touch to deliver the good news and to schedule your closing date. If you are buying a new home, this is the time to start contacting utility providers at your current residence and the new one about service and address changes.
The final and most exciting step is the closing. This is where you’ll get the keys to your new home and sign a variety of legal and other documents including your new mortgage. If you are closing on a new home purchase, various other people may attend the closing, including attorneys, real estate professionals and your seller.
Get in touch with our home loan team, find an expert in your area, or get started online.
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 $1,458.33. 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 $1,458.33. 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 4.240% 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 4.240% 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 5.375% APR
Get moving on your new home purchase or mortgage refinance today.
Contact us directly to apply for a construction loan or home equity line of credit.
Give us a call at 1-877-436-4381 or fill out the short form below and we’ll be in touch.
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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.
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