A home loan that's right for you

Refinance Your Home with Dash

Dash can help you refinance your home to lower your monthly mortgage payment, get a better interest rate (or switch from a variable to a fixed-rate mortgage), or transform your home equity into cash for other needs, such as debt repayment or home renovation projects.

4.9

Review score

Google
Customer Reviews

Homeowners refinancing their home online

The home refinancing process, simplified

If applying for a home loan can be simplified, so can refinancing. We’ve made the process for refinancing your home faster and easier because, well, who wants it to be longer and complicated?

We’ve got a loan for you

Types of refinance mortgages

“Why should I refinance my current mortgage?” Well, you can use each of these home refinance options for different purposes, such as reducing your interest, lowering your mortgage interest rate, or getting funds for other projects.

Home refinancing options are similar to new home loan options. You can choose from various types of mortgages for your refinancing including:

Fixed-Rate Mortgage (15 or 30 years)

With a fixed-rate 15- or 30- year mortgage, your interest rate stays the same throughout the lifetime of your loan.

Adjustable-Rate Mortgage (ARM)

Take advantage of potentially lower interest rates during the initial fixed interest rate period.

Cash-Out Refinancing

With FHA and VA cash-out refinancing, replace your mortgage with a loan worth more than your home so you can pocket the difference.

FHA Streamline Refinancing

Get a lower interest rate and monthly payment with limited paperwork and no home appraisal or credit check.

Interest-Rate Reduction Refinance Loan

Reduce your mortgage payments on an existing VA loan by lowering interest rates.

A homeowner researches their next loan
We've got your back

Confused About Refinancing? Don’t worry.

Whether you need to refinance a home loan in Raleigh, NC or are considering a mortgage refinance in Charlotte, NC, Dash has a variety of options that will help you get the results you need.

In addition to our popular urban refinancing options, we also offer refinancing in North and South Carolina’s rural areas. Our Mortgage Coaches will help you determine the best refinancing option for your situation. We’ve got your back.

Apply now
Cutomer reviews

See what our clients have to say about our refinancing services

Our process makes refinancing easier for you, but you shouldn’t take our word for it. See what our happy customers have to say in our Dash mortgage reviews.

View more customer testimonials

Frequently asked questions

Refinancing FAQs in NC & SC

Why are refinance rates higher?

In most cases, refinance rates are not significantly higher than rates for purchase loans. Refinance rates can vary between lenders, however. Some may have higher interest rates but lower fees, which can affect the APR (also known as the annual percentage rate, which includes the interest rate, lender fees, and other refinance charges).

Is it cheaper to refinance with my current lender?

It depends. While it is sometimes cheaper to refinance with your current lender, it’s also common for other lenders to offer better interest rates and fees that decrease your costs. If you’re refinancing your home, you should research different refinance lenders and compare rates to find the best deal.

Can I refinance my mortgage with no closing costs?

Yes. There are home refinancing options with no closing costs, which are known as “no closing cost refinances.” However, while no closing cost refinances save you money up-front, they aren’t always the most affordable option long-term. No closing cost refinances charge you a higher interest rate in order to waive the closing costs, meaning you could end up with a larger overall mortgage bill.

What is the average closing cost to refinance a mortgage?

Closing costs to refinance a mortgage are typically 2-5% of your mortgage. Most homeowners pay $3,000-$5,000 in closing costs to refinance a mortgage.

How does refinancing work with equity?

A borrower needs a certain amount of equity in their home to refinance. Most rate and term refinance are allowed with 5% equity in the home (95% LTV). Others, who do a cash-out refinance, will have at least 20% equity in their homes when they refinance, and they can use the refinancing to cash out on that equity. In some cases, you may lose equity when you refinance. In others, you can use your equity to pay the closing costs for your refinancing. If you’re interested in how refinancing will affect your equity, contact our team today. We can help you determine the most likely effect refinancing will have on your equity.

Helping homeowners throughout the Carolinas

How do I decide which refinancing loan is right for me?

If you’re not sure what type of refinancing is right for you, get in touch with us. Our Dash Mortgage Coaches can walk you through the process of refinancing your home, including evaluating your needs and goals so they can match you with the best option for your situation.

Apply now
A Dash Mortgage Coach
The Dash Blog

Home buying resources & articles

Most Common Contingency Clauses

April 12, 2021 — 6 minute read

Most Common Contingency Clauses

Paul Carini

Paul Carini

Dash Home Loans

Six Ways to Find Homes Before They Hit the Market

April 8, 2021 — 5 minute read

Six Ways to Find Homes Before They Hit the Market

Andy Borter

Andy Borter

Dash Home Loans

Refinance Lender in NC and SC

Dash is a Charlotte refinance lender with services throughout North Carolina and South Carolina. In addition to serving the Charlotte area, Dash also offers mortgage refinancing in Raleigh, NC, as well rural areas of NC and SC.

If you’re interested in home loan refinancing and aren’t sure if Dash serves your area, contact us. We’re active throughout the Carolinas.


Refinancing Your Home: The Process with Dash

Home loan refinancing can be almost as complicated as applying for a new home loan. In fact, the typical refinance home process is essentially helping you get a new mortgage to replace the mortgage you’re working with now, meaning you often have to follow similar application and financial documentation processes.

Dash is a different kind of refinance lender that uses a simpler process to make your home loan refinancing journey faster and easier. With Dash, you’ll go through just four simple steps.

  1. You will fill out an application complete with information on your home, assets, income, and a personal password so you can log in again later.
  2. You’ll get a confirmation email with a link to login and view your application. You can start, stop, or update your application whenever it’s most convenient for you.
  3. A Dash Mortgage Coach will review your application and contact you to discuss your refinancing goals and the best way to achieve them.

We’ll walk you through everything – from prequalification to approval. Our team will be by your side every step of the way to ensure your refinancing goes smoothly.