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We make refinancing real simple.
30-Year Fixed % Annual Percentage Rate
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Photo of Danielle. Ally employee since 2014.

Benefits of Refinancing

Make your payments work better for you

  • Lower monthly payments.

    Whether you want to switch from an adjustable rate to a fixed rate, or just looking to increase your cash flow, refinancing may get you a lower interest rate so you can save money each month.

  • Pay off your loan faster.

    Changing to a shorter term means you pay off your home sooner and lower the total amount of interest you're paying on it.

  • Take cash out.

    If there's equity in your home, taking cash out adds to your mortgage but provides the option to consolidate debt, make home improvements or pay off other expenses.

Let's Talk

Give us a call now

Monday - Friday, 8 am - 10 pm ET
Saturday 10 am - 4 pm ET

Request a call

Give us a little information and a home loan advisor will call you to discuss your options.

Take the Next Step

Why Ally

We do what it takes to live up to our name

You're counting on us to help with your financial situation, that's why we do everything we can to make you feel comfortable and confident along the way. It's just the right thing to do.

Competitive rates

You don't have to go far to find the right loan. With consistently competitive rates and options tailored to fit your financial situation, we make it our goal to help you achieve yours.

The Ally Home Team®

Our loan experts are trained and committed to be on your side every step of the way. When you work with us you get:

  • Dedicated support – we provide you with a knowledgeable team of loan experts to help you through the home loan experience, from application to close.
  • Frequent updates – we check in with you regularly to answer any questions you may have along the way and ensure you meet your closing date.
  • Communication options – you choose how you'd like to be contacted: by phone or email.

Online access

We give you the option to keep track of all your loan-related documents online, from any device. Convenient and secure, you'll always know what we need, what’s already done and where your application stands.

creating happy home owners.

How it Works

Know what to expect ahead of time

  • 1. Meet your Home Team and apply

    Meet your Home Team and apply

    Our Home Team is here to guide you through the refinance experience. This means you'll have a loan advisor, loan coordinator and closing coordinator with you every step of the way. After you reach out, we'll introduce you to a licensed loan advisor who will look at your information and help you decide if it makes sense to refinance.

    Our responsibilities

    • Help you understand your options
    • Start your application

    Your responsibilities

    • Be responsive to phone calls from us
    • Know your credit history and financial goals

    It takes 2 minutes to get started. Take the Next Step

Today's Rates

Get the loan you want, on your terms

Fixed Rate Mortgage

Adjustable Rate Mortgage


Crunch the Numbers

See the difference a new loan can make with our refinance calculator.

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We're unable to show you our rate and payment options right now. Please check back later.

Our Annual Percentage Rates (APRs) are accurate as of NN/NN/NN and can change daily. This information reflects rates for borrowers with excellent credit in the state of California and a $300,000 conventional loan with 20% down for a single-family home in that state. The monthly payment amount we show doesn’t include taxes or insurance and assumes NNN monthly payments for a NN. View Jumbo Loan Options

Monthly Payment Points Interest Rate APR

Crunch the Numbers

See the difference a new loan can make with our refinance calculator.

desktop image of calculator


We have answers

Still have questions? Visit our Help Center.