Most PopularConventional Fixed Rate
10–30year terms
Best for homeowners with good credit who want stable payments. 10- to 30-year terms.
- Terms
- 10 to 30 years
- Payment
- Stable
- Best for
- Good credit
Your goal
Current loan
Main aim
3 programs match youTop match: Conventional Fixed Rate
See my rateYour best matches
Picked from your answers. ZERO Closing Costs · Restrictions apply · Offer details
Most Popular
Low Introductory RateAdjustable Rate
10 yrsintro rate fixed up to
An introductory fixed rate for up to 10 years that adjusts every 6 months after.
- Fixed for
- Up to 10 years
- Then adjusts
- Every 6 months
- Rate
- Low intro rate
Large Loan AmountsJumbo Refinance
$832,750+loan amounts, most areas
Refinance a loan above the conforming limit, starting at $832,750 in most areas.
- Loan amount
- $832,750+
- Credit
- Stronger credit
- Best for
- Large loans
Compare every program
The numbers that decide it, side by side. A loan consultant can confirm what you qualify for.
| ConventionalRate and term10–30year terms | FHA StreamlineExisting FHA loansFHAless paperwork | FHA to ConventionalFrom an FHA loan20%equity | VA StreamlineVeterans & militaryVAstreamlined | Cash-outOne new loanCashfrom your equity | Home equityKeep your rate$250Kborrow up to | |
|---|---|---|---|---|---|---|
| Goal | Lower rate or term | Lower your rate | Drop FHA insurance | Lower your rate | Get cash | Get cash |
| For | Most homeowners | FHA loans | FHA loans | VA loans | Homeowners | Homeowners |
| Term | 10 to 30 years | Varies | Varies | Varies | Varies | 15, 20 or 30 years |
| Appraisal | Covered | Often not needed | Covered | Covered | Covered | Usually not needed |
| Best for | Good credit | Less paperwork | 20% equity | Veterans | Same or lower rate | Keeping your rate |
| Closing costs | ZERO | ZERO | ZERO | ZERO | ZERO | ZERO |
| See my rate | See my rate | See my rate | See my rate | See my rate | See rates |
CapCenter covers the appraisal under ZERO Closing Costs when one is needed. FHA to Conventional needs 20% equity. A home equity loan keeps your first mortgage and its rate. ZERO Closing Costs: restrictions apply, see offer details.
- Goal
- Lower rate or term
- For
- Most homeowners
- Term
- 10 to 30 years
- Appraisal
- Covered
- Best for
- Good credit
- Closing costs
- ZERO
- Goal
- Lower your rate
- For
- FHA loans
- Term
- Varies
- Appraisal
- Often not needed
- Best for
- Less paperwork
- Closing costs
- ZERO
- Goal
- Drop FHA insurance
- For
- FHA loans
- Term
- Varies
- Appraisal
- Covered
- Best for
- 20% equity
- Closing costs
- ZERO
- Goal
- Lower your rate
- For
- VA loans
- Term
- Varies
- Appraisal
- Covered
- Best for
- Veterans
- Closing costs
- ZERO
- Goal
- Get cash
- For
- Homeowners
- Term
- Varies
- Appraisal
- Covered
- Best for
- Same or lower rate
- Closing costs
- ZERO
- Goal
- Get cash
- For
- Homeowners
- Term
- 15, 20 or 30 years
- Appraisal
- Usually not needed
- Best for
- Keeping your rate
- Closing costs
- ZERO
Swipe to compare all 6
Restrictions apply · Offer detailsHave a great rate already?
Keep it. Borrow against your equity with a ZERO Closing Cost home equity loan.
Restrictions apply · Offer detailsBuying a home instead?
See home loan programs for buyers.
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Frequently asked questions
Conventional fixed and adjustable rate refinances, Jumbo refinance, FHA Streamline, FHA to conventional, cash-out refinance, VA IRRRL, VA cash-out and fixed-rate home equity loans, all with ZERO Closing Costs.
To lower your payment, wait until rates are below your current rate. To pay off faster, refinance into a shorter term. To get cash, a cash-out refinance makes sense when rates are at or below yours; if your current rate is lower, a home equity loan lets you keep it.
A home equity loan keeps your first mortgage and its rate, and adds a second fixed-rate loan. A cash-out refinance replaces your mortgage with one larger loan. Both come with ZERO Closing Costs.
FHA loans always carry mortgage insurance, but with 20% equity you can refinance into a conventional loan without PMI.
Many refinances need one, but not all. Either way, CapCenter covers the appraisal under ZERO Closing Costs.
Most CapCenter refinances close within 30 days of application: about two in three from November 2025 to October 2026. Complex situations can take longer.
Yes. With ZERO Closing Costs there are no closing costs to recoup, so you can refinance again when rates fall.
More questions? See our Refinance & home equity FAQ.
Restrictions apply. See CapCenter.com for details. Offer details