Mortgage Refinance & Refinance Rates
Refinancing that works for you.
With nbkc bank, you could save up to $6,840
over the typical life of your loan.*
Refinance your mortgage your way.
If it’s the right time for you to refinance, we’ve got the right tools to get it done. And we can help you every step of the way.
With refinancing you can:
- Lower your monthly payment
- Cash-out on your home equity to reduce debt
- Access additional cash for other purchases
- Change from an adjustable-rate to a fixed-rate loan
You’ve got options. Enjoy them.
If it’s the right time to refinance your mortgage, you’ve come to the right place.
Mortgage Refinancing
Explore all of our available refinancing methods, and find a new loan that's more affordable or provides the benefits you need.
FHA Refinance
Pay off your existing mortgage (aka cash-out) and use a portion of your home's equity to reduce debt or finance other purchases.
FHA Streamline Refinance
Reduce principal or interest payments, add or delete individuals from a title, adjust the term of the loan or change to a fixed-rate or adjustable-rate mortgage.
Refinance Calculator
Refinance Calculator
Ready to replace your old loan with better rates? Let's run some numbers.
Your Refinance Estimate
The interest rates shown below are based on your credit history, property type and loan amount on a 45 day lock period. The actual interest rates and fees available to you may vary and may differ from the rates displayed.
FAQs
- You’re ready to switch from an adjustable-rate home loan to a fixed-rate home loan
- You need lower monthly loan payments.
- You would like to pay off your mortgage sooner than the term of the loan.
- You would like to consolidate debt.
- You are interested in taking advantage of your home equity for other expenses.
- You purchased your home less than four months ago. Most lenders will not allow borrowers to exit a loan this soon. Refer to your loan documentation for further details.
- You plan on selling your home in the near future. In this situation, your closing costs may exceed the savings you gain from the reduced monthly payments.
Four simple steps:
- Read the conditions of your current home mortgage related to time requirements. Make sure you have made payments for the minimum required amount of time.
- Complete the nbkc online mortgage loan application.
- Understand the refinancing details. Ask your loan officer to explain the refinancing points, fees, and payments.
- Sign the documents. We will let you know when the documents are ready to sign. This can take place in an attorney's office or at a title company.
*The estimated savings statement is calculated over a 5-year period utilizing interest savings. Home purchase in the state of Missouri with a Loan-To-Value of 80%, Loan amount = $400,000, Single Family, Primary Residence, FICO=780, Term=30-year conventional loan as of 7/17/2024. Average level savings of $6840 as compared to an average of national mortgage lenders in a comparative study conducted by Curinos.com. Individual savings may vary based on credit score, Loan-To-Value, location and how long the loan remains active. This is subject to loan requirements, underwriting and approval.