Mable Mortgage
Refinance Your Mortgage
Lower your rate, reduce your payment, or tap your equity. A Mable advisor will review your options — no obligation.
Get Your Refinance Options
Tell us about your current loan and we'll find you the best options.
Why Refinance with Mable?
Lower Your Rate
Even a 0.5% rate reduction can save hundreds per month. We compare multiple lenders to find your best option.
Cash-Out Refinance
Access your home equity for renovations, debt consolidation, or major expenses — often at rates lower than personal loans.
Shorten Your Term
Switch from a 30-year to a 15-year mortgage and pay off your home faster while building equity more quickly.
Remove PMI
If your home has appreciated, you may now have 20%+ equity — enough to refinance and eliminate private mortgage insurance.
Ready to apply directly?
Start your full refinance application through our secure portal.
Begin full application →When Does Refinancing Make Sense?
The Break-Even Rule
Divide closing costs by monthly savings. If you'll stay in the home past the break-even point (often 18–36 months), refinancing usually makes sense.
Rates Drop 0.75%+
A meaningful rate reduction is the classic trigger. Even smaller drops can pay off if you have a large loan balance.
Your Credit Improved
If your score jumped 50+ points since origination, you may now qualify for significantly better rates.
ARM Reset Coming
If your adjustable-rate mortgage is about to reset higher, locking in a fixed rate protects your budget.
Home Value Rose
Appreciation may have pushed your LTV below 80%, eliminating PMI and potentially qualifying you for better terms.
Cash-Out Opportunity
Home equity is often the cheapest source of large amounts of capital. Cash-out rates are lower than HELOCs and personal loans.