Refinance and home equity

An honest look at your current loan

For Metro Detroit and Michigan homeowners, a refinance can help some lower a payment, change the loan term, remove mortgage insurance or tap into equity. It is not the right move for everyone, and I will tell you if waiting makes more sense.

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Request a refinance review

Tell me your goal and I will run the numbers with you.

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If you leave the box unchecked, Karl will reply to your request by email only. Submitting this form does not start a loan application and is not a commitment to lend.

Common reasons to look

What a review can help you understand

Change the structure

Review whether a different term or loan type better fits where you are now.

Use your equity

Explore cash out refinancing, home equity and second lien options for projects or big goals.

Clean up debt

See whether consolidating other balances could make sense, and what it would cost over time.

Know the break even

Every refinance has costs. We look at how long it takes to come out ahead.

Keep an eye on your equity

Your home, by the numbers

Your home is probably your biggest asset, so it deserves more attention than a once a year guess. With a free myHomeIQ report you can follow your estimated value, equity and neighborhood trends, and reach out whenever something looks interesting.

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Whether a refinance makes sense depends on your current loan, your goals, how long you plan to stay and the costs involved. Refinancing may increase total finance charges over the life of the loan. Every scenario is reviewed individually and is subject to credit approval and underwriting.