Home Refinance

A New Mortgage Can Make All the Financial Difference

Talk to a Mortgage Expert

Conceptual image of financial growth with triangular shapes pointing up

Talk to a Mortgage Expert

Rate Assumptions
  • $220,000 loan amount
  • 60% LTV
  • 720 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 11/17/2017 and are subject to change at any time.1

  • 15-YR Fixed Rate
  • 180 months
  • 3.250% / 3.344% APR fixed
  • Rate and payment figures based on 0.03 discount point(s)
  • Principal and interest payments of $2108.01 per month

Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated abovel nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Important Disclosures Back

Your goals, our priority. Let’s refinance.

A refinance should be simple. It should be fast. And it shouldn't cost you an arm and a leg. That's what we believe, and it's also what we deliver. You'll get a dedicated mortgage expert to serve as your single guide through our streamlined process. And because we know that closing costs can at times present a refi hurdle, we make it a point to keep our lender fees as low as possible.

Expert Guidance
Lower My Payment
Lower My Payment
Pay Off My Loan Sooner
Lock in a Fixed Rate
Get Cash Out
Lower My Payment
Pay Off My Loan Sooner
Lock in a Fixed Rate
Get Cash Out

Give Your Monthly Budget a Cash Boost

With a lower mortgage rate, you could reduce your monthly payment, boost your cash flow, and begin to tackle goals you’ve been putting off for far too long. So if today’s rates are below your current mortgage rate, it might be time to put your refinance plans into action.1

Saving Thousands in Interest. Sounds Interesting, Right?

When it comes time to make your final mortgage payment, make it without regret. By shrinking your mortgage term today, you'll pay off your loan quicker, and you could pay a lot less for it. Sure, your monthly payment may increase, but any interest savings could be substantial and mean big things for your long-term financial picture.1

Move Into Payment Stability

No one likes to be surprised with sudden increases in their monthly expenses. But that's exactly what can happen when the rate starts moving on an adjustable rate mortgage. If you're nearing or even beyond your initial fixed rate period, now may be the time to regain your mortgage peace of mind with a fixed rate loan.1

Why Refinance? Because It’s Your Equity.

Have you been eyeing a major home renovation or possibly a second home? To fund goals such as this, a cash out refinance could be the answer you’ve been looking for. And depending on your current mortgage rate and how much equity you take out, it’s possible that your monthly mortgage payment may only slightly change.2

Home Affordability Solutions

Home Affordable Refinance Program 

We’re pleased to be a HARP lender. You may qualify for HARP refinancing if your current mortgage is backed by Fannie Mae or Freddie Mac and was sold to them on or before May 31, 2009.

FHA Streamline Refinance 

If you currently have an FHA mortgage, you could be just one simple step away from locking in a low new rate and a more affordable mortgage payment.

Find Your Loan

We’ve Got Your Needs Covered

Like what you see? Rate locks are available, so act soon to move on this opportunity. All rates and Annual Percentage Rates (APRs) are as of 11/17/2017 and are subject to change at any time.3

Help Me Choose
Fixed Rate
ARMs
FHA / VA
Specialty
Rate Assumptions
  • $220,000 loan amount
  • 60% LTV
  • 720 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 11/17/2017 and are subject to change at any time.1

  • 15-YR Fixed Rate
  • 180 months
  • 3.250% / 3.344% APR fixed
  • Rate and payment figures based on 0.03 discount point(s)
    • 179 payments of $2108.01 at an interest rate of 3.250%
    • 1 payment of $0.00 at an interest rate of 3.250%

Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated abovel nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Rate Assumptions
  • $220,000 loan amount
  • 60% LTV
  • 720 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 11/17/2017 and are subject to change at any time.1

  • 30-YR Fixed Rate
  • 360 months
  • 3.875% / 3.947% APR fixed
  • Rate and payment figures based on 0.228 discount point(s)
  • Principal and interest payments of $1410.71 per month

Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated abovel nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Rate Assumptions
  • $800,000 loan amount
  • 60% LTV
  • 750 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 11/17/2017 and are subject to change at any time.1

  • 15-YR Fixed Rate Jumbo
  • 180 months
  • 3.375% / 3.438% APR fixed
  • Rate and payment figures based on 0.104 discount point(s)
  • Principal and interest payments of $5315.70 per month

Estimated taxes and insurance monthly payment could be $1,458.33. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Rate Assumptions
  • $800,000 loan amount
  • 60% LTV
  • 750 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 11/17/2017 and are subject to change at any time.1

  • 30-YR Fixed Rate Jumbo
  • 360 months
  • 3.875% / 3.919% APR fixed
  • Rate and payment figures based on 0.186 discount point(s)
  • Principal and interest payments of $3526.78 per month

Estimated taxes and insurance monthly payment could be $1,458.33. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Conventional & Jumbo ARMs

Call for Rates

FHA Loans

Pay As Little As Call for Rates

VA Loans

Pay As Little As Call for Rates
Spotlight Rate

Current variable rates as low as 2.990% APR

Rate Assumptions
  • 760+ credit score
  • 70% LTV or less with a total line amount equal to or greater than $500,000
  • Line must be secured by 1-unit single family residence

Interest Only Line

Need to maximize cash flow? Our Preferred Equity Line - interest only option - could be a great way to keep payments low at the onset. Pay interest only during the initial 10-year draw period of this variable rate 30-year loan. You may access up to 90% of the line at closing.

Note: Not available in all states.1

  1. First lien home equity line of credit with interest-only payments in the draw period available in AZ, CA, CO, CT, DC, FL, GA, MD, MA, MO, MT, NC, NJ, NY, OR, PA, RI, UT, VA, WA.

Spotlight Rate

Current variable rates as low as 2.990% APR

Rate Assumptions
  • 760+ credit score
  • 70% LTV or less with a total line amount equal to or greater than $500,000
  • Line must be secured by 1-unit single family residence

Principal + Interest Line

If you plan to be in a home for the long haul, paying principal and interest over the life of the line may be the right answer for you. It’s certainly the right answer for building equity in the property. You may access up to 100% of the line at closing.

Note: Not available in all states.1

  1. First lien amortizing home equity line of credit is available in AZ, CA, CO, CT, DC, FL, MA, MD, MO, MT, NJ, NY, OR, PA, RI, UT, VA, WA.

Spotlight Rate

Current variable rates as low as 4.125% APR

Rate Assumptions
  • 760+ credit score
  • 70% LTV or less with a total line amount equal to or greater than $150,000
  • Line must be secured by 1-unit single family residence or eligible condominium

Low Down Payment Option

When you pair a conventional EverBank home loan with our Preferred Equity Line, you could make a low down payment and avoid mortgage insurance—all while keeping your financial strategy on track. You may access up to 100% of the line at closing, with a line maximum of $500,000.

Note: Not available in all states.1

  1. Second lien home equity line of credit must be obtained through EverBank at the same time as a closed end first mortgage (the "primary mortgage"). This option is not available in conjunction with all closed end first lien products or with first lien HELOCs and is only available in AZ, CA, CO, CT, DC, FL, GA, MA, MD, MO, MT, NC, NJ, NY, OR, PA, RI, UT, VA, WA.

When selecting your new mortgage, it’s important that you weigh a number of different factors, such as how much loan you can afford, your short-term and long-term financial goals, and how long you expect to be in the home. The tool below is a helpful resource when unsure as to which mortgage is best for you.

Solution: Choose from our range of ARM loans.

Considerations: You'll generally get a better rate and lower initial payments with our ARM products. However, if you plan to keep the home beyond the initial fixed rate period of the loan, your rate and payments could increase.

Solution: Choose a fixed rate loan to lock in a rate that won't ever change. An ARM could be a good option if you plan to sell within the initial fixed rate period.

Considerations: You'll minimize your monthly payment by opting for a longer-term mortgage, while a shorter term will let you pay off your loan sooner and realize substantial interest savings. Keep in mind, however, that while the rate may be lower for the shorter-term mortgage, the monthly payment will be quite a bit higher.

Solution: Choose a shorter-term fixed rate mortgage or possibly an ARM.

Considerations: A shorter-term fixed rate mortgage will result in you paying much less interest over the term of the loan as compared to a longer-term fixed rate mortgage. Our ARM products will generally carry a lower initial rate than that of our fixed rate loans and could be a good savings option for you if you intend to sell the property before the initial fixed rate period expires. After that, rates and payments could increase.

Our Process

Because All Home Loans Are a Big Deal to Us

The lines of communication will always be open, as you'll have the support of a dedicated mortgage expert from start to finish.

See How We Lend 

From Our Clients

Reviews on Zillow5

Why EverBank?

Our Welcome Mat Is Always Out

Your new home loan answer is just around the corner. And our mortgage experts are standing by to show you a better path to your home loan goals. From our competitive rates and dedication to personal service to our full range of mortgage solutions, you’ll quickly see why EverBank is the right home lending partner for you.

Talk to a Mortgage Expert

Get Started