Lower your rate or tap your home equity. We fund loans in-house and shop lenders across the country to find your fit.
Fast closings, competitive rates, and real options. We broker your loan or fund it ourselves.
Funded directly or shopped across our lenders.
Turn equity into cash for whatever's next.
An imperfect score doesn't rule you out.
One team from quote to close, no handoffs.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes.
We shop top lenders and loan programs to deliver simple and easy-to-understand numbers.
Upload docs, e-sign securely, and get your approval fast.
Review and sign your closing docs. Enjoy your lower rate or unlocked equity.
Pick the officer you click with — every Agave LO is dedicated to your file from quote to close.
Jena is a skilled Presidents Club Mortgage Loan Originator with more than 3+ years of experience, offering personalized service for both purchase and refinance mortgages.
Greyson has a proven track record of securing favorable rates and terms for his clients with 2+ years of experience.
Hanna and Agave Home Loans will guide you through the home buying or refinance process with ease and transparency with 8+ years of experience.
Talk to a refinance loan officer today. No hard credit pull, no obligation.
I had another lender competing aggressively and changing their offer several times, but Daniel and Dylan stayed straightforward and worked hard to get me a competitive deal. I chose to stay with Agave because of the trust they built.
They went the extra mile to get my refinance done while providing regular updates on our status. Would definitely use again and recommend to others.
Jason Bride and Thomas King made our refinance a smooth process. They had great communication, prompt answers and were easy to work with. They were both very knowledgeable and had helpful suggestions throughout the loan process.
Quick answers about refinance loans, eligibility, and how Agave compares.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
There are several refinance options available, and the right one depends on your financial goals. A rate-and-term refinance can help you lower your interest rate, reduce your monthly payment, or change the length of your loan.
A cash-out refinance lets you convert some of your home's equity into cash for things like home improvements, debt consolidation, or other major expenses. Depending on your current loan, you may also qualify for specialized options like an FHA Streamline Refinance or a VA IRRRL. At Agave Home Loans, we'll walk you through your options and help you compare programs to find the one that best fits your needs.
A cash-out refinance replaces your current mortgage with a new loan for more than you currently owe. The difference is paid to you in cash, which you can use for almost any purpose — including home renovations, consolidating higher-interest debt, paying for education, or covering other major expenses. Because you're using your home's equity, cash-out refinancing can offer lower interest rates than many other types of borrowing. We'll help you determine whether a cash-out refinance or another option, such as a home equity loan or HELOC, is the better fit for your goals.
Every refinance is different, but most refinance loans close in about 30 to 45 days. The timeline depends on factors such as your loan type, appraisal requirements, and how quickly documents are submitted. At Agave Home Loans, we combine a simple online application, secure e-signatures, and a streamlined approval process to help keep your refinance moving as efficiently as possible.
Often less than you think. On a rate and term refinance, where you simply replace your loan with a better rate or term, conventional loans allow up to *95% of your home's value on a primary residence, FHA allows up to 97.75%, and VA allows up to 100%. That means you could refinance with as little as 5% equity, and in some cases even less. If you want to take cash out, the limits are lower: up to 80% of your home's value on conventional and FHA loans, and up to 100% on VA when certain criteria are met. Certain streamline programs may not require an appraisal at all. We'll run the numbers and show you exactly what you qualify for.
Getting your initial options from Agave doesn't require a hard credit inquiry. Our quick quote asks you to estimate your own credit range or we can run a soft pull. You get to see where you stand before any true credit inquiry. If you decide to move forward with a full application, we'll ask your permission first and explain exactly what happens next.
A licensed Agave loan officer reviews your information and reaches out to talk through your options (usually within minutes). You'll get real numbers to look at, an explanation of the tradeoffs, and a straight answer about whether refinancing makes sense for you right now. There's no obligation to move forward, and we don't sell your information or share it with other companies to market to you.
Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, fees, terms, and programs are subject to change without notice and may vary based on credit history, loan-to-value (LTV), property type, occupancy, loan amount, loan purpose, and other factors. Any rates, payments, or savings examples shown are for illustrative purposes only, are based on assumptions that may not apply to your situation, and are not a quote or guarantee of available terms. Your actual rate and payment will depend on your individual circumstances. Maximum LTV varies by loan program, property type, and occupancy, and stated LTV limits may not be available for all borrowers or programs. Additional restrictions, conditions, and requirements may apply. Contact us for a personalized quote.
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
