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Refinance

Cash out from your equity is tax free and can be used for almost any purpose. Consolidate debts. Home improvement. Education expenses. Travel.

I'd like to get a lower rate and a lower payment.

Has your credit score improved since you purchased your home? Do you have Mortgage Insurance on a FHA loan that you wish to have removed? You may qualify for a new loan with better terms.

I'd like to put someone else on, or take someone off of, my home.

Many families have changes that require planning about what to do with the home. Changing who is on Title is one common need. Changing the Deed, to add or subtract someone on title, doesn't change who is liable on the loan for the property. To do that you need to refinance. There are recent changes that make this easier when you want to transfer the ownership and also have a mortgage in the name of the new person.