Investment products offered through Ally Invest are NOT FDIC insured, ARE NOT BANK GUARANTEED and MAY LOSE VALUE.
Mortgage products are offered by Ally Bank Equal Housing Lender .
Ally Lending products are offered by Ally Bank Member FDIC.
Mortgage Refinancing
See the difference a new loan can make.
Find what’s best for your home with our modern mortgage experience.
Refinancing is simple. Complete your application 100% online anytime, from anywhere.
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No lender fees - no application, origination, processing, or underwriting fees (unlike most big banks and lenders)
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A Q&A application you can complete in as little as 15 minutes
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Close typically up to 10 days faster than industry average
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Reliable support from a team of home loan experts
Refinance for the right reason.
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Lower monthly payments.
You may be able to get a lower rate so you can save money each month.
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Pay off your loan faster.
Change to a shorter term to pay off your home sooner.
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Take cash out.
Leverage your home’s equity and get cash to use however you want.
The path to refinancing is easier than you think.
Understand your goal.
Before you put your plan into action, check out our refinance calculator to see how refinancing impacts your financial picture.
Get a custom quote or lock your rate in minutes.
Tell us about yourself and your current home loan. We’ll get you a quote right away with no impact to your credit score.
Complete your application and manage documents online.
You can upload, sign, and submit documents online. If you need a little extra help, you can text, call, or email your home loan expert for personalized guidance.
Prepare for closing.
You’ll finalize everything in person. We’ll let you know where to go and what you’ll need to bring (besides a pen). Your closing expert can provide peace of mind should you have any questions beforehand.
Your home, your terms.
We offer numerous loan types and term lengths to suit your needs.
Fixed-Rate
Consider if you’re looking for consistent monthly payment and a rate that won’t change over the life of your loan.
Adjustable Rate
Consider if you plan on moving or refinancing in 5, 7 or 10 years and want to pay less in interest than you would with a fixed rate loan.
Jumbo Loans
If a higher-priced home means you need a larger loan, we also offer competitive rates on jumbo loans.
Refinance rate shopping, a quick trip.
Provide some specifics for more accurate refinancing options.
These rates are based on a
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Customized mortgage rates
Monthly payment doesn't include taxes or insurance. Our Annual Percentage Rates (APRs) are accurate as of on and may change throughout the day. A home loan expert can help you understand whether a fixed-rate mortgage or adjustable-rate mortgage is right for you.
Refinance calculator
Get a better idea of money matters before you take the next step.
To estimate how much refinancing could change your payment, we’ll take a look at your current loan details and suggest a new loan term that may better fit your financial goals.