Check your credit score and financial profile
Compare current mortgage terms with refinance options
Set your refinance goal
Shop multiple lenders
Gather required documents
Get prequalified or preapproved
Apply for the refinance loan
Lock in your interest rate
Complete the home appraisal if required
Review the Loan Estimate
Respond to lender requests quickly
Review and sign closing documents
Pay closing costs or roll them into the loan
Wait for the new loan to fund
Confirm your old mortgage is paid off
Start making payments on the new loan