Hoping to have lower mortgage payments, lower your interest rate, adjust your mortgage term... or both! A rate and term refinance might sound complicated, but it's actually straightforward.
You have the option to reduce your interest rate, extend or shorten your mortgage term to lower your monthly payments—or do both at once.
Curious about how much you could save on your new monthly payment? Our user-friendly calculators below can help you estimate the potential savings from a new loan, empowering you to budget and plan for your future confidently.
© 2026 Old Republic Mortgage. Branch NMLS 41891 - All Rights Reserved. A division of American Pacific Mortgage Corporation NMLS 1850. This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. Privacy Policy. NMLS Consumer Access. Accessibility Statement. Please visit our Disclosures page for more details for all loan types.
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