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Refinance Your Home

It’s time for a
better mortgage
experience.

There’s money in your current home loan—and Better Rate Mortgage can help you make the most of it.

Let’s talk refinance.

Our team is ready to help you find the right way to refinance to make your dreams come true.

1

Reduce your rate of term.

Have mortgage rates dropped since your last mortgage? Reduce your monthly payment—or reduce the time it will take to pay off your loan.

1

Consolidate debt.

Gain financial independence by using the equity in your home to help reduce your debt.

1

Improve your home—or buy another.

Dreaming of a new kitchen, bath, or basement remodel? Ready to finish your basement, or even buy that vacation home? The cash to do so may already be in your current home.

1

Dream big.

We open the door to a better mortgage experience for home buyers, sellers and realtors.

What type of loan do you need?

Not sure? The information on this page can help. Our loan experts are also ready to help you find the loan that fits you. Call our team at 314-361-9979, and we’ll talk you through it.

Chances are, if you’ve owned your home for a while and have been making regular payments, this is the best loan for you. Heads up: you don’t have to be in a conventional loan now to refinance to one.

You may be able to acquire an FHA refinance loan with very little documentation. The streamlined process makes it easier than ever to get cash out of your home. However, keep in mind that if you’re currently in an FHA loan, you may be able to get a lower rate with a conventional refinance.

Unsure? Get in touch with us, and we’ll get the answer you need.

Refinancing has never been easier through VA IRRL loans. However, before you apply, let’s check and see if we can help you get an even better rate through a conventional refinance.

If you live in a rural area and have 12 months of on-time payments, we may be able to help you refinance with a USDA loan. Of course, maps for eligible areas change all the time. Check to see if your property or region is eligible for USDA loans here.

The guidelines and limits for conventional and jumbo mortgages changes often and can depend on how much equity you have in your home. Don’t worry—we can help you sort out the details.

You’ve seen the headlines, but here’s the truth: Reverse mortgages can be a good fit for some people. Talk to us, and we’ll help you find the best solution.

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Our customers say the nicest things.

We couldn’t have said it better ourselves.

4.9

319 Google Reviews

Kate Loudermilk
Kate Loudermilk
2024-03-06
Amazing experience, so helpful & attentive. Highly recommend!
David Hartstein
David Hartstein
2024-03-06
Sean and the team were truly the best. As a small business owner, our loan application was more complicated than most. Sean and his whole team were incredibly patient and thorough, taking the time to answer all of our questions every step of the way. Plus their rates were the best we found. We'll absolutely be reaching out the next time we need help with a mortgage.
Giulia Kaufman
Giulia Kaufman
2024-03-05
Sean and his team were great! Always available and easy to work with. They always answered all of our questions. We ran into one issue which they resolved smoothly. We were able to close on our house in 3 weeks. We would definitely use Sean and his team again and recommend them to anyone looking for a mortgage broker.
Nadine Risman
Nadine Risman
2024-02-26
Sean and his assistant Megan did a great job at handling my mortgage when I was buying a property in St. Louis. I usually had responses to questions in less than 24 hours and did all of my interactions via email and electronic documents up until closing which was super helpful as I didn't have to take time off work. I would highly recommend them.
Monica WALKER
Monica WALKER
2024-02-26
Great experience working with Sean from Better Rate Mortgage. He offered me excellent customer service and was a step ahead to address what I needed. I will continue to work with Better Rate Mortgage in the future and recommend him to anyone looking for financing.
Jessica H.
Jessica H.
2024-02-26
Sean and Megan were great to work with!! Answered all questions even after hours.
james bond cruz
james bond cruz
2024-02-24
I couldn’t be happier with my experience with Sean Zalmanoff, Better rate mortgage & whole Team. They made the entire process smooth and stress-free. Their team was knowledgeable, attentive, and went above and beyond to help me secure the best deal. Highly recommend them to anyone looking for a mortgage! Thank you so much😊❤️
Keith Vessell
Keith Vessell
2024-02-24
Sean looked after us when we were moving across state. And still cares about our rates after we closed. He is to be trusted.
Molly Moore
Molly Moore
2024-02-24
Sean and his team were amazing from the very get-go of our house buying experience. They worked with our unique set of circumstances, got us organized and completely set up so we could confidently go into house hunting knowing exactly what we could afford. Come closing time, Sean walked us through every detail to be sure we felt good about everything we were signing. Sean and his team are too notch!!!
Melissa
Melissa
2024-02-24
Sean and Megan were awesome to work with! I highly recommend Better Rate Mortgage as they know the business and can help you. Our home purchase was so easy and no stress at all. I can’t thank them enough!!!

Get Started Today

Whether you’re purchasing your first home or taking cash out to make your dream home even dreamier, the door is open. Welcome to Better Rate Mortgage.

Apply Now
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