Refinance

We offer a variety of refinancing options to fit your needs. Whether you’re a veteran looking for a streamlined VA refinance, or a homeowner wanting to lower your monthly payment or tap into your home’s equity, we’ve got you covered.

REFINANCE APPLICATION

By submitting this form, you are authorizing Oswego Mortgage Corporation NMLS ID # 233782 to deliver or cause to be delivered to you (including through agents and authorized third-parties) marketing promotions for products or services in addition to those about which you are applying, but that may be of interest to you. You are authorizing Oswego Mortgage Corporation to contact you using the contact information to the phone numbers and email addresses you provided above. You are not required to sign this agreement as a condition of purchasing or refinancing any property, goods, or services.

Refinance Options:

🇺🇸 VA IRRRL Refinance
This is a VA Interest Rate Reduction Refinance Loan (IRRRL) designed for veterans to lower their current mortgage interest rate. It’s a streamlined process, meaning less paperwork and faster results—ideal for saving on monthly payments.

đź’° No Cash-Out Refinance
Looking to reduce your interest rate or change your loan terms without pulling equity from your home? This option allows you to simply adjust your mortgage without taking on more debt.

đź’¸ Cash-Out Refinance
If you’ve built equity in your home, you can use a Cash-Out Refinance to convert that equity into cash. It’s perfect for consolidating debt, home improvements, or covering other large expenses while still maintaining an affordable mortgage payment.

🔄 Rate and Term Refinance
A great option if you’re looking to modify the interest rate or length of your loan. Lower your rate, shorten the term, or switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more predictable payments.