Rate and term refers to a type of mortgage refinance where the interest rate and/or loan term (length of the mortgage) is changed—without taking out any cash from the home’s equity
✅ Lower monthly payments by securing a lower interest rate
✅ Pay off the mortgage faster by switching to a shorter term
✅ Switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage
✅ Remove a co-borrower (like an ex-spouse after divorce)
✅ Consolidate a first and second mortgage into one loan (if no cash is taken out)
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Work with our experts to adjust your coverage options and tailor the policy.
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