Refinance & Home Equity
Put your equity to work.
As a licensed mortgage broker, we shop dozens of wholesale and private lenders to compare refinance options side by side — so you can choose the structure that fits your goals.
Estimate my equityRefinance options we shop for you
Cash-out refinance
Replace your current mortgage with a new one and take part of your equity as cash — for renovations, tuition, investments or reserves.
HELOC vs. cash-out
Keep your first mortgage untouched with a HELOC or home-equity loan, or reset everything with a cash-out refi. We compare both with you.
Rate-and-term refinance
Change your rate, term or loan type (for example, ARM to fixed, or removing mortgage insurance) without taking cash out.
Debt consolidation
Roll higher-interest balances into one housing payment. We'll walk through total cost over time, not just the monthly number.
Investment-property cash-out (BRRRR)
Buy, rehab, rent, refinance, repeat. DSCR and investor cash-out programs from our lending partners can qualify on the property's rent.
Annual Mortgage Check-Up
Once a year, we review your loan, your equity, and your goals — at no cost. If refinancing doesn't make sense, we'll tell you. No pressure, no obligation.
- • Equity and loan-to-value review
- • Compare today's options across our lending partners
- • Escrow, insurance and PMI check
- • Plan for your next move or investment
Home-equity estimator
A rough estimate of how much equity you may be able to access, based on a maximum 80% loan-to-value. Actual limits vary by lender, program and property.
- Total equity
- $250,000
- Estimated accessible equity (80% LTV)
- $150,000
Estimate only — not a loan offer, approval or commitment to lend. Lumos Mortgage Group is a mortgage broker, not a lender. All loans subject to lender credit approval and property appraisal.
