Check your credit score and debt-to-income ratio
Review your current mortgage terms and payoff amount
Set your refinancing goal
Compare refinance loan options
Shop multiple lenders and get quotes
Gather required documents
Submit a refinance application
Lock in your interest rate
Complete the home appraisal if required
Review the loan estimate and closing disclosure
Pay closing costs or choose a no-closing-cost option
Sign the final loan documents
Wait for the new lender to pay off your old mortgage
Start making payments on the new loan