refinancing your
home

Find the Right refinancing terms, on your terms.

When it comes to refinancing, it’s always in your best interests to shop around. In fact, homeowners who get multiple quotes save an average of $2,914. And that’s just in interest alone. By shopping around between lenders, you can also save on closing costs, origination fees, and more.

Why Refinance here.

We’re a marketplace, not a lender. Our mission is to make it easier for homeowners to find their best mortgage offers. 

our promise.

  • we’ll never share your personal information
  • we’ll never try to sell you any financial products
  • our service will always be free & transparent
our process

shop the mortgage marketplace.

SYOM Easy Process - One Application Icon

1. apply online

Complete an easy application on your own time and without the pressure of a bank.

2. review multiple offers

Compare your rates, fees, and more, with the guidance of a licensed mortgage consultant.

refinance your home

3. choose your loan

Close your best mortgage with peace of mind and without paying any junk fees.

make a calculated
decision.

Play with our mortgage calculator to get a sense of what to expect from changes to your rate and term. Then, when you’re ready to take things to the next level, talk to a mortgage consultant or fill out an application. Instead of “guestimates,” we’ll get you quotes from real lenders for your specific scenario. 

Make a Calculated Decision

mortgage calculator

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want more mortgage strategy?

Talk to a mortgage consultant.

We get it. Sometimes you just need to talk to a real person. If it’s one of those times, give us a call or book a meeting. Our mortgage consultants are friendly, knowledgable, and will always give you straight answers.

Frequently asked questions

Yes. In short, we help with every type of loan that our lenders offer. And since we work with a large network of lenders –many of whom are VA-approved– we’re able to verify your VA loan application, too.  

No. We will never share your information without your consent. Yes, we  will gather you quotes from our network of lenders. But, we do that without sharing any personally identifiable information.

Every application is reviewed by a licensed mortgage consultant. They’re going to be working behind the scenes to make sure everything goes smoothly from origination to closing. And yes, if you have any questions or need to discuss strategies, they’re on standby to help.

Yes and no. It will not hurt your credit to see your initial estimates. But, it will ding your credit by a handful of points when you complete a loan application. 

How it works: any time that you apply for credit, it lowers your credit score a little bit.  However, when you’re applying for a home loan, you have a window of opportunity to shop around without additional hits to your credit, which is how we’re able to provide you multiple offers without added impact.

Also: when you complete our initial application, you’re not actually applying for a home loan yet. You’re simply browsing your home financing options. So, this is risk-free.

Dust off that fax machine — it’s going to come in handy. Just kidding. We’ve developed technology to make the document verification process as secure and as simple as possible. This includes an encrypted mobile app that allows you to submit documents simply by taking a photo. We also have a web app that lets you securely log into your bank or IRS accounts to pull your sensitive data. Your mortgage consultant will let you know exactly what will be required.

Yes. We take security very seriously. In fact, because we work with so many banks and lenders, we have to meet all of their security requirements at once. All of our data is encrypted using bank-level security measures, which means all of your data is encrypted, too.

We get paid by your lender directly, after your mortgage is funded. So, it’s true, you’ll never pay a penny for our service.

Normally, a lot of work goes into originating and verifying your application, so lenders charge between 0.5%–1% of the total loan amount to do it. However, because we verify your application, they’re able to just pay us a one-time fee. This does not impact the rate they offer you or your closing costs in any way.

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