Refinance your mortgage in Atlanta
Lower your payment, shorten your loan term, switch to a fixed rate or take cash out. As an Atlanta mortgage broker, Gillors compares refinance options from multiple lenders and shows you the full cost upfront.
- No credit check to start
- Compare options from multiple lenders
- A real person follows up
5.0 on Zillow · 18 reviews
Is it a good time to refinance your home?
Refinancing replaces your current mortgage with a new one. Done at the right time, it can lower your monthly payment, help you pay off your home sooner, switch you to a more predictable loan, or turn some of your home's equity into cash.
As a licensed mortgage broker in Atlanta, Gillors compares refinance options from multiple lenders and looks at the full cost, not just the rate. If refinancing doesn't make sense for you right now, we'll tell you.
Reasons homeowners refinance
Lower your monthly payment
If rates or your credit have improved since you bought, a new loan may reduce what you pay each month.
Pay off your home sooner
Move to a shorter loan term to build equity faster and pay less interest over the life of the loan.
Switch to a fixed rate
Trade an adjustable-rate mortgage for a fixed rate and a payment that stays the same.
Take cash out
Use a cash-out refinance to pay for renovations, consolidate higher-interest debt or cover big expenses.
Remove mortgage insurance
If your home's value has gone up, refinancing may help you drop mortgage insurance from your payment.
Remove a borrower
After a divorce or other life change, refinancing can put the loan in one person's name.
Refinance options
Rate-and-term refinance
Changes your interest rate, your loan term or both, without taking cash out.
Cash-out refinance
A new, larger loan that pays off your current mortgage and gives you the difference in cash.
FHA streamline refinance
A simplified refinance for homeowners who already have an FHA loan.
VA streamline refinance (IRRRL)
A simplified refinance for eligible veterans who already have a VA loan.
Loan availability depends on your situation and on lender guidelines. All loans are subject to credit approval and property appraisal.
How refinancing with Gillors works
- Tell us your goalLower payment, shorter term, cash out or something else. It takes a few minutes and doesn't pull your credit.
- Get an honest comparisonYour loan officer compares options from multiple lenders, including closing costs and your break-even point.
- Apply and lock your rateWhen the numbers make sense, we help you apply and guide you through documents and the appraisal.
- CloseSign your new loan and start your new payment, with us beside you the whole way.
Refinance questions
How do I know if refinancing is worth it?
Compare what you'd save each month with the cost to refinance. The point where your savings cover those costs is your break-even point. If you plan to stay in your home well past it, refinancing may be worth it. We'll calculate it with you.
Are there closing costs to refinance?
Yes, refinancing usually comes with closing costs, such as lender, appraisal and title fees. In some cases they can be rolled into the new loan. We'll show you all costs upfront.
Will refinancing affect my credit?
Our online form doesn't pull your credit. When you apply, a lender will pull your credit report, which may have a small, temporary effect on your score.
How much cash can I take out?
It depends on your home's value, what you still owe, your credit and the loan program. Your loan officer can estimate it once we know a bit more about your home.
See if refinancing makes sense for you
Tell us about your home and your goal. No credit check to start, and a real person follows up.
What homeowners say
Real reviews from homeowners who worked with Netta Li Fidderer, Senior Loan Officer at Gillors.
Highly recommend Netta Li! It was my first home and the first loan. Netta Li patiently and professionally guided me through the whole process, explaining every term, every detail. Netta Li is very good at communicating! She has always responded very quickly to my texts, emails and calls. …
This is our second deal with Netta Li and like last time she was great, patient and responsive every day, helped us go through the obstacles all the way to a successful deal. Thank you!
I highly recommend Netta Li Fidderer! She is extremely professional, patient, accommodating, and was able to explain the complicated details. I'm happy with the loan that I was able to get with good rates, thanks to her.
