Refinance Your Mortgage
Refinance with Confidence
Refinancing your home can help you achieve your personal and financial goals. Whether you want to lower your monthly payment, pay down your mortgage sooner or access your home’s equity, Sunflower Bank will guide you with trusted insight and personalized support. As a community lender, we take pride in building long-lasting relationships and helping you make the most of your home’s value.
Discover the Benefits of Refinancing
Your home is one of your greatest investments and largest assets. Refinancing offers many benefits depending on your current loan, interest rates and how long you plan to stay in your home. You can lower your monthly payments, reduce your total loan costs or access cash for other priorities, moving you closer to your financial goals.
Lower Interest Rates - Secure a better rate and reduce your mortgage costs over time, saving on interest and paying off your loan faster.
Lower Monthly Payment - Free up room in your budget by reducing your monthly payment.
Shorten Loan Term - Pay off your mortgage sooner, build equity faster, and lower overall mortgage costs.
Eliminate Private Mortgage Insurance (PMI) - If you’ve built enough equity or your home has increased in value, refinancing may allow you to remove PMI, lowering your monthly costs.
Access Home Equity - Use a cash-out refinance to unlock your home’s equity for renovations, college tuition or other major expenses.
Switch Loan Types - Convert an Adjustable-Rate Mortgage (ARM) or Balloon Loan to a Fixed-Rate Mortgage for long-term stability and predictable payments.
Prepare to Refinance
Sunflower Bank offers comprehensive loan options, practical tools, helpful resources and expert support to help you refinance confidently and make informed choices.
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Home Refinance Calculator
Our refinance calculator shows how refinancing your current loan could lower your monthly payment and total loan cost.
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Mortgage Calculator
Curious about new loan possibilities? Explore new loan scenarios with our mortgage calculator.
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Loan Options
We have a variety of home loan options to match your financial needs. Discover the options available to you.
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Mortgage Education Center
Find a wealth of information in our Mortgage Education Center. From resource articles to FAQs, we’ve got you covered.
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FAQs: What to Know When Refinancing Your Home
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Refinancing can save you money by lowering your interest rate, reducing your monthly payment or shortening your loan term, but that’s dependent on several factors. To determine if refinancing will save you money, you’ll need to consider your current loan, interest rates and how long you plan to stay in your home.
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There is a cost to process, underwrite and prepare closing documents for all loans. You may also have appraisal and survey fees.
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Yes. With cash-out refinancing, you can refinance your current mortgage for more than what you owe and take the difference in cash.
Example: You owe $120,000 on a home worth $200,000; you could refinance the mortgage for $150,000, paying off the old mortgage with $120,000 while putting the additional $30,000 in your pocket. You would then begin making payments on the $150,000 mortgage. Explore the Pros and Cons of Cash-out Refinancing about Can I take cash out when I refinance? -
Refinancing may cause a slight dip in your credit score due to the hard credit inquiry and new mortgage loan, but it’s only temporary. Over time, you may find that refinancing can positively impact your credit score by helping put you in a better financial position. Contact a Sunflower Bank mortgage expert to learn more. about How does refinancing affect my credit score?
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We offer a variety of refinance options, including Home Equity Line of Credit (HELOC) loans and Debit Consolidation loans. Discover Refinance Loan Options about What types of refinance loans does Sunflower Bank offer?
Get Started
Take the first steps toward refinancing your home with a lender you can trust. Whether you’re just starting to think about refinancing or have decided it’s right for you, we’re here to help you confidently move forward. Start your application or connect with a local Sunflower Bank expert today.
Together, we’ll work to achieve your homeownership goals.
Consult your mortgage loan originator for details. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Loan subject to credit review and approval. This is not an offer for extension of credit or a commitment to lend.