Mortgage Refinancing
Lower your rate, shorten your term, or tap into your home's equity — see if refinancing makes sense for you.
Talk to a Local ExpertWhy homeowners choose to refinance with FCLS.
Lower your monthly payment
A better rate or longer term can meaningfully reduce what you pay each month.
Shorten your loan term
Move from a 30-year to a 15-year term to pay off your home faster and save on interest.
Cash-out equity options
Tap into your home's equity for renovations, debt consolidation, or other goals.
Fast, in-house underwriting
Because we fund with our own capital, refinance decisions move quickly.
Ready to see if refinancing makes sense? Here's how.
The math on refinancing depends on your current rate, how long you plan to stay, and your goals. Watch a short walkthrough of the steps, or connect directly with a local expert to run your numbers.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about whether refinancing is worth it right now? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the refinance program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Mortgage Refinancing is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
6 Signs You’re Ready to Buy a Home (Not Just Financially)
What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
