Refinance

A new mortgage can make all the difference

A refinance could help you solve a range of different goals, and we’re here to help make your goals come to life.

Let’s make your goals happen Apply Now 1-877-436-4381

Our commitment

Your goals, our priority. Let’s refinance.

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.

Nationwide lender

We’re proud to serve the home lending needs of clients across the country.

Expert guidance

Unsure if refinancing is right for you? Let our mortgage experts run your numbers for you.

We’ve got the loan 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.

Help me choose

What’s your goal?

Lower my payment
Pay off my loan sooner
Lock in a fixed rate
Get cash out

Give your monthly budget a cash boost

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.

Featured insights

Why refi? Pinpointing the root & right timing

Saving thousands in interest. Sounds interesting, right?

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.

Featured insights

Why refi? Pinpointing the root & right timing

Move into payment stability

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.

Featured insights

Why refi? Pinpointing the root & right timing

Why refinance? Because it’s your equity.

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.

Featured insights

Tapping home equity: Going beyond your first mortgage

The Basics

Here for you every step of the way

View the key steps and various milestones that will mark your path to that new home loan.

Application

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.

Processing & Underwriting

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.

Approval

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.

Closing

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.

Let’s Get Started

Our welcome mat is out

Get in touch with our home loan team, find an expert in your area, or get started online.

Apply online now

Get moving toward your new home loan today.

Apply Now

Speak with an expert

1-877-436-4381

Monday - Thursday, 8:30 a.m. - 8 p.m. (ET)

Friday, 8:30 a.m. - 7 p.m. (ET)

Saturday, 9 a.m. - 5 p.m. (ET)

Have us contact you

15-Year Fixed Rate

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 .

Rate assumptions

$300,000 loan amount
75% LTV
740 credit score
45-day rate lock
Escrow required
Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

15-Year Fixed Rate Jumbo

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 .

Rate assumptions

$750,000 loan amount
75% LTV
775 credit score
45-day rate lock
Escrow required
Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

30-yr Fixed Rate

All rates and Annual Percentage Rates (APRs) are accurate as of .

Rate assumptions

$300,000 loan amount
75% LTV
740 credit score
45-day rate lock
Escrow required
Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

30-Year Fixed Rate Jumbo

All rates and Annual Percentage Rates (APRs) are accurate as of .

Rate assumptions

$750,000 loan amount
75% LTV
775 credit score
45-day rate lock
Escrow required
Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Preferred Equity

Interest Only Line

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.

Spotlight rate

Current variable rates as low as 3.990% APR

Rate assumptions

760+ credit score
70% LTV or less with a total line amount equal to or greater than $500,000
Line must be secured by 1-unit single family residence

Preferred Equity

Principal + Interest Line

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.

Spotlight rate

Current variable rates as low as 3.990% APR

Rate assumptions

760+ credit score
70% LTV or less with a total line amount equal to or greater than $500,000
Line must be secured by 1-unit single family residence

Preferred Equity

Low Down Payment Option

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.