How do I refinance a mortgage?

Real EstateWarren TeamPublished April 25, 2026

Quick answer

To refinance, apply with a lender (current or new), submit pay stubs and tax returns, get a new appraisal, and close the new loan that pays off the old. Most refinances take 30–45 days and cost 2–5% of the loan amount in closing costs.

Mortgage refinance process steps.

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