Check your credit score and financial situation
Review your current mortgage terms and payoff balance
Set your refinancing goal
Compare lenders and refinance offers
Get prequalified or preapproved
Gather required documents
Submit your refinance application
Lock in your interest rate
Complete the home appraisal if required
Review the loan estimate and closing disclosure
Pay closing costs or roll them into the loan if allowed
Sign the final loan documents
Wait for the new loan to fund and pay off the old mortgage
Confirm your first payment date on the new loan