When does refinancing make sense?
- Lower your rate (break-even in under 2 years is a clear win)
- Remove PMI once you've reached 20% equity
- Shorten the term to pay off your home faster
- Access equity with a cash-out refinance
- Switch from an ARM to a fixed-rate loan before reset
Need cash for a renovation or to consolidate debt? See our full Colorado cash-out refinance guide.
Refinance by program type
Rate-and-Term Refinance
Lower your rate or change your term — no cash out. Works on any loan type.
Learn moreCash-Out Refinance (CO)
Tap up to 80% LTV in equity for renovations, debt payoff, or investments.
Learn moreFHA Streamline Refinance
For existing FHA loans — no appraisal, no income docs, fast close.
Learn moreVA IRRRL
VA streamline — no appraisal, often no out-of-pocket cost. Existing VA loans only.
Learn moreUSDA Streamline Refinance
USDA Streamline & Streamline-Assist — no appraisal for existing USDA borrowers.
Learn moreRefinance programs we offer
Rate & Term
Lower your rate or change your loan term without taking cash out.
Cash-Out
Access up to 80% LTV in equity for renovations, debt consolidation, or investments. See our full cash-out guide.
Learn moreFHA Streamline
For existing FHA loans — no appraisal, minimal docs, fast turn time.
VA IRRRL
VA's interest rate reduction refinance — no appraisal, no income docs, available to veterans with existing VA loans.
Jumbo Refinance
For loan balances above conforming limits in Colorado — including high-cost mountain counties.
Refinance FAQ
How do I know if refinancing makes sense?
Run a break-even analysis: divide your total closing costs by your monthly savings. If you'll keep the loan longer than the break-even period, refinancing usually wins.
Can I refinance with less than 20% equity?
Yes. FHA Streamline and VA IRRRL require no equity. Conventional refinances typically need 5–20% equity depending on the program.
How long does a refinance take?
Typically 3–4 weeks from application to closing.
Will refinancing hurt my credit?
We start with a soft pull for the initial quote. A hard pull only happens when you formally apply, and the impact is small and temporary.
Refinance Guides by City — Colorado & Florida
City-specific refinance guides with 2020-buyer equity estimates, max cash-out at 80% LTV, break-even analysis, and county loan limits.
Colorado Refinance Guides
Alamosa
Est. equity: $112,065
Max cash-out: $43,000
See guideAlmont
Est. equity: $156,935
Max cash-out: $60,000
See guideArvada
Est. equity: $183,591
Max cash-out: $71,000
See guideAspen
Est. equity: $1,037,797
Max cash-out: $398,000
See guideAurora
Est. equity: $144,496
Max cash-out: $55,000
See guideAvon
Est. equity: $319,091
Max cash-out: $122,000
See guideBayfield
Est. equity: $156,935
Max cash-out: $60,000
See guideBeaver Creek
Est. equity: $1,135,090
Max cash-out: $435,000
See guideBoulder
Est. equity: $290,436
Max cash-out: $111,000
See guideBreckenridge
Est. equity: $421,605
Max cash-out: $162,000
See guideBroomfield
Est. equity: $193,143
Max cash-out: $74,000
See guideBuena Vista
Est. equity: $179,815
Max cash-out: $69,000
See guideCanon City
Est. equity: $105,401
Max cash-out: $40,000
See guideCarbondale
Est. equity: $340,527
Max cash-out: $131,000
See guideCastle Rock
Est. equity: $216,022
Max cash-out: $83,000
See guideCedaredge
Est. equity: $114,952
Max cash-out: $44,000
See guideCentennial
Est. equity: $199,807
Max cash-out: $77,000
See guideCenter
Est. equity: $79,634
Max cash-out: $31,000
See guideCollbran
Est. equity: $92,073
Max cash-out: $35,000
See guideColorado Springs
Est. equity: $151,160
Max cash-out: $58,000
See guideCommerce City
Est. equity: $134,944
Max cash-out: $52,000
See guideCortez
Est. equity: $112,065
Max cash-out: $43,000
See guideCraig
Est. equity: $86,298
Max cash-out: $33,000
See guideCrawford
Est. equity: $92,073
Max cash-out: $35,000
See guideCrested Butte
Est. equity: $470,251
Max cash-out: $180,000
See guideCripple Creek
Est. equity: $92,073
Max cash-out: $35,000
See guideDel Norte
Est. equity: $86,298
Max cash-out: $33,000
See guideDelta
Est. equity: $118,729
Max cash-out: $46,000
See guideDenver
Est. equity: $186,479
Max cash-out: $71,000
See guideDillon
Est. equity: $254,229
Max cash-out: $97,000
See guideDolores
Est. equity: $124,504
Max cash-out: $48,000
See guideDurango
Est. equity: $235,125
Max cash-out: $90,000
See guideEagle
Est. equity: $221,797
Max cash-out: $85,000
See guideEdwards
Est. equity: $283,772
Max cash-out: $109,000
See guideEnglewood
Est. equity: $160,712
Max cash-out: $62,000
See guideEstes Park
Est. equity: $225,574
Max cash-out: $87,000
See guideFlorence
Est. equity: $95,849
Max cash-out: $37,000
See guideFort Collins
Est. equity: $179,815
Max cash-out: $69,000
See guideFraser
Est. equity: $202,694
Max cash-out: $78,000
See guideFrisco
Est. equity: $290,436
Max cash-out: $111,000
See guideFruita
Est. equity: $151,160
Max cash-out: $58,000
See guideGlenwood Springs
Est. equity: $241,789
Max cash-out: $93,000
See guideGolden
Est. equity: $251,341
Max cash-out: $96,000
See guideGould
Est. equity: $92,073
Max cash-out: $35,000
See guideGranby
Est. equity: $189,366
Max cash-out: $72,000
See guideGrand Junction
Est. equity: $137,832
Max cash-out: $53,000
See guideGrand Lake
Est. equity: $225,574
Max cash-out: $87,000
See guideGreeley
Est. equity: $134,944
Max cash-out: $52,000
See guideGunnison
Est. equity: $183,591
Max cash-out: $71,000
See guideGypsum
Est. equity: $176,927
Max cash-out: $68,000
See guideHayden
Est. equity: $124,504
Max cash-out: $48,000
See guideHighlands Ranch
Est. equity: $221,797
Max cash-out: $85,000
See guideHot Sulphur Springs
Est. equity: $112,065
Max cash-out: $43,000
See guideHotchkiss
Est. equity: $124,504
Max cash-out: $48,000
See guideIgnacio
Est. equity: $105,401
Max cash-out: $40,000
See guideKeystone
Est. equity: $290,436
Max cash-out: $111,000
See guideLa Junta
Est. equity: $70,082
Max cash-out: $27,000
See guideLakewood
Est. equity: $173,151
Max cash-out: $66,000
See guideLamar
Est. equity: $72,970
Max cash-out: $28,000
See guideLeadville
Est. equity: $151,160
Max cash-out: $58,000
See guideLittleton
Est. equity: $179,815
Max cash-out: $69,000
See guideLongmont
Est. equity: $179,815
Max cash-out: $69,000
See guideLoveland
Est. equity: $156,935
Max cash-out: $60,000
See guideMancos
Est. equity: $160,712
Max cash-out: $62,000
See guideMeeker
Est. equity: $112,065
Max cash-out: $43,000
See guideMonte Vista
Est. equity: $95,849
Max cash-out: $37,000
See guideMontrose
Est. equity: $151,160
Max cash-out: $58,000
See guideMountain Village
Est. equity: $583,760
Max cash-out: $224,000
See guideNaturita
Est. equity: $72,970
Max cash-out: $28,000
See guideNew Castle
Est. equity: $151,160
Max cash-out: $58,000
See guideNucla
Est. equity: $79,634
Max cash-out: $31,000
See guideOak Creek
Est. equity: $144,496
Max cash-out: $55,000
See guideOlathe
Est. equity: $112,065
Max cash-out: $43,000
See guideOuray
Est. equity: $225,574
Max cash-out: $87,000
See guidePagosa Springs
Est. equity: $186,479
Max cash-out: $71,000
See guidePalisade
Est. equity: $156,935
Max cash-out: $60,000
See guidePaonia
Est. equity: $128,280
Max cash-out: $49,000
See guideParachute
Est. equity: $112,065
Max cash-out: $43,000
See guideParker
Est. equity: $209,358
Max cash-out: $80,000
See guidePleasant View
Est. equity: $86,298
Max cash-out: $33,000
See guidePoncha Springs
Est. equity: $144,496
Max cash-out: $55,000
See guidePueblo
Est. equity: $92,073
Max cash-out: $35,000
See guideRangely
Est. equity: $95,849
Max cash-out: $37,000
See guideRidgway
Est. equity: $254,229
Max cash-out: $97,000
See guideRifle
Est. equity: $134,944
Max cash-out: $52,000
See guideSaguache
Est. equity: $72,970
Max cash-out: $28,000
See guideSalida
Est. equity: $193,143
Max cash-out: $74,000
See guideSilt
Est. equity: $124,504
Max cash-out: $48,000
See guideSilverthorne
Est. equity: $251,341
Max cash-out: $96,000
See guideSilverton
Est. equity: $137,832
Max cash-out: $53,000
See guideSnowmass Village
Est. equity: $681,054
Max cash-out: $261,000
See guideSteamboat Lake
Est. equity: $137,832
Max cash-out: $53,000
See guideSteamboat Springs
Est. equity: $372,958
Max cash-out: $143,000
See guideSteamboat Springs (rural)
Est. equity: $189,366
Max cash-out: $72,000
See guideTabernash
Est. equity: $176,927
Max cash-out: $68,000
See guideTelluride
Est. equity: $778,347
Max cash-out: $298,000
See guideTelluride (rural)
Est. equity: $221,797
Max cash-out: $85,000
See guideThornton
Est. equity: $156,935
Max cash-out: $60,000
See guideToponas
Est. equity: $86,298
Max cash-out: $33,000
See guideTowaoc
Est. equity: $92,073
Max cash-out: $35,000
See guideTrinidad
Est. equity: $86,298
Max cash-out: $33,000
See guideVail
Est. equity: $681,054
Max cash-out: $261,000
See guideVictor
Est. equity: $72,970
Max cash-out: $28,000
See guideWalden
Est. equity: $95,849
Max cash-out: $37,000
See guideWalsenburg
Est. equity: $79,634
Max cash-out: $31,000
See guideWestminster
Est. equity: $173,151
Max cash-out: $66,000
See guideWheat Ridge
Est. equity: $170,263
Max cash-out: $65,000
See guideWinter Park
Est. equity: $254,229
Max cash-out: $97,000
See guideWoodland Park
Est. equity: $160,712
Max cash-out: $62,000
See guideYampa
Est. equity: $92,073
Max cash-out: $35,000
See guideFlorida Refinance Guides
30A / Santa Rosa Beach
Est. equity: $340,527
Max cash-out: $131,000
See guideBig Pine Key
Est. equity: $202,694
Max cash-out: $78,000
See guideBoca Raton
Est. equity: $221,797
Max cash-out: $85,000
See guideBonita Springs
Est. equity: $189,366
Max cash-out: $72,000
See guideBradenton
Est. equity: $144,496
Max cash-out: $55,000
See guideBrandon
Est. equity: $124,504
Max cash-out: $48,000
See guideCallahan
Est. equity: $95,849
Max cash-out: $37,000
See guideCape Coral
Est. equity: $124,504
Max cash-out: $48,000
See guideCelebration
Est. equity: $151,160
Max cash-out: $58,000
See guideClearwater
Est. equity: $144,496
Max cash-out: $55,000
See guideCoral Gables
Est. equity: $319,091
Max cash-out: $122,000
See guideCrestview
Est. equity: $118,729
Max cash-out: $46,000
See guideDeFuniak Springs
Est. equity: $92,073
Max cash-out: $35,000
See guideDestin
Est. equity: $221,797
Max cash-out: $85,000
See guideDunedin
Est. equity: $176,927
Max cash-out: $68,000
See guideEnglewood
Est. equity: $144,496
Max cash-out: $55,000
See guideEstero
Est. equity: $176,927
Max cash-out: $68,000
See guideFernandina Beach
Est. equity: $221,797
Max cash-out: $85,000
See guideFort Lauderdale
Est. equity: $183,591
Max cash-out: $71,000
See guideFort Myers
Est. equity: $118,729
Max cash-out: $46,000
See guideFort Myers Beach
Est. equity: $221,797
Max cash-out: $85,000
See guideFort Walton Beach
Est. equity: $124,504
Max cash-out: $48,000
See guideGolden Gate
Est. equity: $144,496
Max cash-out: $55,000
See guideGulf Breeze
Est. equity: $156,935
Max cash-out: $60,000
See guideHollywood
Est. equity: $160,712
Max cash-out: $62,000
See guideHomestead
Est. equity: $124,504
Max cash-out: $48,000
See guideImmokalee
Est. equity: $92,073
Max cash-out: $35,000
See guideIslamorada
Est. equity: $319,091
Max cash-out: $122,000
See guideJacksonville
Est. equity: $102,513
Max cash-out: $40,000
See guideKey West
Est. equity: $290,436
Max cash-out: $111,000
See guideKissimmee
Est. equity: $118,729
Max cash-out: $46,000
See guideLake Nona
Est. equity: $189,366
Max cash-out: $72,000
See guideLakewood Ranch
Est. equity: $216,022
Max cash-out: $83,000
See guideLargo
Est. equity: $124,504
Max cash-out: $48,000
See guideLehigh Acres
Est. equity: $112,065
Max cash-out: $43,000
See guideLynn Haven
Est. equity: $112,065
Max cash-out: $43,000
See guideMarathon
Est. equity: $241,789
Max cash-out: $93,000
See guideMarco Island
Est. equity: $290,436
Max cash-out: $111,000
See guideMiami
Est. equity: $202,694
Max cash-out: $78,000
See guideMiami Beach
Est. equity: $290,436
Max cash-out: $111,000
See guideMilton
Est. equity: $105,401
Max cash-out: $40,000
See guideMiramar Beach
Est. equity: $254,229
Max cash-out: $97,000
See guideNaples
Est. equity: $258,005
Max cash-out: $99,000
See guideNiceville
Est. equity: $156,935
Max cash-out: $60,000
See guideNorth Port
Est. equity: $124,504
Max cash-out: $48,000
See guideOrlando
Est. equity: $124,504
Max cash-out: $48,000
See guidePalm Beach
Est. equity: $1,459,402
Max cash-out: $559,000
See guidePanama City
Est. equity: $95,849
Max cash-out: $37,000
See guidePanama City Beach
Est. equity: $156,935
Max cash-out: $60,000
See guidePensacola
Est. equity: $95,849
Max cash-out: $37,000
See guidePompano Beach
Est. equity: $151,160
Max cash-out: $58,000
See guideSanibel
Est. equity: $319,091
Max cash-out: $122,000
See guideSarasota
Est. equity: $170,263
Max cash-out: $65,000
See guideSt. Petersburg
Est. equity: $151,160
Max cash-out: $58,000
See guideTampa
Est. equity: $134,944
Max cash-out: $52,000
See guideTarpon Springs
Est. equity: $144,496
Max cash-out: $55,000
See guideVenice
Est. equity: $156,935
Max cash-out: $60,000
See guideWesley Chapel
Est. equity: $151,160
Max cash-out: $58,000
See guideWest Palm Beach
Est. equity: $189,366
Max cash-out: $72,000
See guideWinter Park
Est. equity: $221,797
Max cash-out: $85,000
See guideYulee
Est. equity: $124,504
Max cash-out: $48,000
See guideZephyrhills
Est. equity: $112,065
Max cash-out: $43,000
See guideDon't want to give up your rate? Tap equity without refinancing.
If you locked in a low first mortgage rate, a HELOC or fixed-rate home equity loan lets you access your equity without touching your first mortgage.
HELOC
Revolving line up to $500k. Interest-only during the draw period.
Explore HELOCHome Equity Loan
Fixed-rate lump sum with a fixed payment and term.
Explore home equity loansGet a real refinance quote
Soft credit pull, no obligation, real numbers — usually same day.