When Should You Refinance?
Lower Rate
There are a number of ways to lower your mortgage payment. An obvious option is to lower your interest rate. Even a small reduction in rate can have a dramatic affect over time.
Eliminate Mortgage Insurance
We have more than one option to eliminate, or at least reduce, mortgage insurance — even if you don’t have much equity.
Use Your Equity
A cash-out refinance allows you to use your home equity to pay off debt, remodel the kitchen, buy a new car, or pay for your child’s college tuition.
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Choose Your Term
You have more choices than just a 15 or 30-year term. Now you can choose any specific year you like. Already been paying for three years? Get a 27-year term mortgage.
Save Money
When does it make sense to refinance? I can’t decide for you, but I can give you information and feedback to help you make the decision. I know this: a refinance should be simple, it should be fast, it shouldn’t cost an arm and a leg, and most of all, it should save you money!
M. Bowman
Brent was great to work with. It was our first time buying a house and he explained everything and helped us every step of the way. He was quick to... read moreBrent was great to work with. It was our first time buying a house and he explained everything and helped us every step of the way. He was quick to answer our questions. I really liked that he made videos explaining everything. read less - 11/21/2022
S. Rai
As new home buyers we were intimidated by the though of buying a house. Thank you Brent for showing great patience in explaining the intricacies involved with the loan process... read moreAs new home buyers we were intimidated by the though of buying a house. Thank you Brent for showing great patience in explaining the intricacies involved with the loan process in a clear and concise manner. It was evident that you really take the time to research all the options, and do not just settle for the easiest or most utilized option. The time and effort you put into our loan and closing process is very obvious and we really want to thank you for everything you did in for us to get our new house. I will be recommending you to all of my friends. read less - 10/17/2022
B. Campbell
Brent is the best lender I've ever worked with. He is very timely, articulate, patient and also gets better rates than others that I quoted during the same time... read moreBrent is the best lender I've ever worked with. He is very timely, articulate, patient and also gets better rates than others that I quoted during the same time period. Highly recommended!! read less - 8/20/2022
R. Hein
Brent is extremely helpful. He addressed any concerns and questions I had. He made applying and getting qualified for my new home a breeze. I will definitely... read moreBrent is extremely helpful. He addressed any concerns and questions I had. He made applying and getting qualified for my new home a breeze. I will definitely use him in the future, and will also recommend him to anyone looking for home financing needs. Thanks Brent! read less - 8/20/2022
J. Paulson
Brent was really easy to work with and helped me get really competitive rates when purchasing my property. He followed up with me often to help provide answers and added... read moreBrent was really easy to work with and helped me get really competitive rates when purchasing my property. He followed up with me often to help provide answers and added support during the whole process. He sent videos explaining each step of the way which was really convenient. I recommend using him for your home loan needs. read less - 7/27/2022
K. Walters
Great experience! Brent worked to make sure I had the best options and closing went very smooth. - 4/27/2022
N. Morris
Brent was great to work with. He reached out early in the process and walked with us every step of the way through the loan process. I would highly recommend... read moreBrent was great to work with. He reached out early in the process and walked with us every step of the way through the loan process. I would highly recommend working with him. read less - 3/27/2022
W. Musgrave
Brent was supper helpful. Explained everything along the way and found me the best deal, made the whole process painless. Thanks Brent! - 3/27/2022
D. Heid
I’ve had mortgages with the big banks and was so ready for a good customer service experience. Brent was awesome from the start and walked us through the proces... read moreI’ve had mortgages with the big banks and was so ready for a good customer service experience. Brent was awesome from the start and walked us through the proces and presented us with several options. He locked in a great rate for us and was able to close in record time. Both realtors were so impressed that we were able to close so fast. I’d recommend him to anybody. read less - 3/27/2022
R. Livingston
Brent is a pro! We are first-time home buyers, and the mortgage process went smoother than we expected. The Assurance team is very quick and responsive and know the ins... read moreBrent is a pro! We are first-time home buyers, and the mortgage process went smoother than we expected. The Assurance team is very quick and responsive and know the ins and outs of their work. Brent was able to apply a bunch of credits to our mortgage, saving us thousands on our down payment. As a customer who is new to mortgages, I am impressed with how effectively they will work in your best interest to get the best mortgage available and making the process as quick and seamless as possible. read less - 3/27/2022
s. kashif
Excellent service. Brent and his team stayed on the top of everything and kept us engaged through out the process. - 2/27/2022
B. McKay
Got me the lowest rates around. Straight forward. No gimmicks. - 1/27/2022
A. Nelson
Always super responsive and patient with our sometimes dumb questions, and helped us work through all the details of a complicated three-property set of transactions. Ended up with a great... read moreAlways super responsive and patient with our sometimes dumb questions, and helped us work through all the details of a complicated three-property set of transactions. Ended up with a great rate, and will use Brent for any future purchases as well. read less - 1/27/2022
J. Trevino
Brent is great at what he does. Very competent individual who made the home refinance experience VERY simple and straightforward. - 1/27/2022
P. Rasmussen
Brent and his team (specifically worked with Kelly) were fantastic helping me find a great loan for my home. They helped navigate through some unique circumstances and communicated with me... read moreBrent and his team (specifically worked with Kelly) were fantastic helping me find a great loan for my home. They helped navigate through some unique circumstances and communicated with me well. Perhaps the best thing is that Brent found a lender who offered an interest rate .375% cheaper than the "preferred lender" that our builder was suggesting--AND it had cheaper fees saving me probably $1-2k when all was said and done. As a first-time-home-buyer, this process was great with Brent and Kelly. Even though my loan was likely smaller than other customers they work with, I was treated super well and never felt like my needs were "too small". Would 100% use Brent again. read less - 1/27/2022
S. Wible
Updated Review: Years later I am still using Brent and have re-financed with him a couple times now, every time the process is smooth and very easy to get through.... read moreUpdated Review: Years later I am still using Brent and have re-financed with him a couple times now, every time the process is smooth and very easy to get through. Original: Very easy to contact, and as a first-time home buyer I had MANY questions. Brent was able to answer all of them and in a very timely manner. He was always available when I needed help. read less - 12/27/2021
K. Kite
We loved our experience working with Brent Knapp to help us through the loan process on our first home! He went out of his way to make the process as... read moreWe loved our experience working with Brent Knapp to help us through the loan process on our first home! He went out of his way to make the process as smooth and efficient as possible and responded quickly to all our questions, concerns, or needs. Definitely recommend! read less - 10/27/2021
L. Wani
Brent and his team is amazing..they helped me in processing my home mortgage application - 8/27/2021
T. K
Great experience going through Brent. Very knowledgeable and helpful. I recommend everyone I know to go through him. - 8/27/2021
M. Morris
Brent was exceptional! He was overly responsive to our requests and flexible in meeting our unique and constantly changing needs. He showed genuine care and concern in getting us the... read moreBrent was exceptional! He was overly responsive to our requests and flexible in meeting our unique and constantly changing needs. He showed genuine care and concern in getting us the right lender and ensuring we closed on schedule. read less - 8/27/2021
K. Rodriguez
Brent and his team are amazing! They were able to get us a great interest rate and close quickly. They worked well with the VA to make sure our... read moreBrent and his team are amazing! They were able to get us a great interest rate and close quickly. They worked well with the VA to make sure our loan and closing were handled with ease. Brent and everyone that worked on his behalf were knowledgeable, kind, and available any time we needed them for anything. We were able to close quickly and they saved us a ton of money! I would recommend them to everyone and anyone purchasing a house or wanting to refinance. read less - 8/27/2021
H. Bui
Brent helped us with our first mortgage and just recently our refinance. On both occasions he did an excellent job of helping us through the entire process and quickly responded... read moreBrent helped us with our first mortgage and just recently our refinance. On both occasions he did an excellent job of helping us through the entire process and quickly responded to our many questions. He helped us to lock into a great interest rate and guided us until closing. We highly recommend Brent for his honesty and dedication to his clients! read less - 8/27/2021
K. Bailey
We have had two outstanding experiences with Brent in this past year. He found the best rates, closed on time and was always personally available.Always informative and personable. We knew... read moreWe have had two outstanding experiences with Brent in this past year. He found the best rates, closed on time and was always personally available.Always informative and personable. We knew we mattered to him. Excellent service ! read less - 8/27/2021
C. Briggs
Brent is the man! Trustworthy, knowledgeable, and competent. - 8/27/2021
A. Andrus
Brent was great to work with. He helped us refinance our home and was fantastic. Highly recommend - 8/27/2021
S. Cook
Brent made the entire refinance process easy. We were able to upload our documents to a portal, received feedback in less than 24 hours and closed our loan with... read moreBrent made the entire refinance process easy. We were able to upload our documents to a portal, received feedback in less than 24 hours and closed our loan with a great rate in under 30 days. We will definitely use Brent/Assurance home loans again!! read less - 8/27/2021
J. Kass
I strongly recommend Brent for home loans. He was a valuable resource for us explaining each step along the way. He communicated clearly, was available when we had questions... read moreI strongly recommend Brent for home loans. He was a valuable resource for us explaining each step along the way. He communicated clearly, was available when we had questions and followed up quickly. He made the loan process smooth and minimized our stress. read less - 8/27/2021
R. Towart
Brent was incredibly helpful with the purchase of our home. He was always available to answer our questions and made the process easy. He even went so far as to... read moreBrent was incredibly helpful with the purchase of our home. He was always available to answer our questions and made the process easy. He even went so far as to record videos explaining details of our contract when we weren't able to speak. read less - 8/27/2021
N. Wright
Brent was awesome. Friendly, fast, easy and lots of communication. The recorded video explanations of our paperwork was above and beyond. - 8/27/2021
K. Dubois
Brent Knapp was wonderful to work with. As a first time home buyer we had a million questions and he would always respond in a very timely matter and throughly... read moreBrent Knapp was wonderful to work with. As a first time home buyer we had a million questions and he would always respond in a very timely matter and throughly explained everything to us. 10/10 would recommend him to work with. read less - 8/27/2021
