Rate-and-term refinance
Change your rate, your term, or both.
- Lower your monthly payment
- Shorten your term and pay less interest overall
- Replace your current loan with one that fits your plans now
Refinance
Refinance your mortgage in Las Vegas
A refinance replaces your current mortgage with a new one under different terms. We’ll help you decide if, and when, it makes sense.
Who it’s for
Is a refinance worth a look?
If you already own a home, the right move may be a new loan rather than a new house. A refinance should solve a clear problem.
You want a lower payment
A new rate or term may reduce what you pay each month.
You want to pay it off sooner
A shorter term can mean paying less interest overall.
You’re carrying higher-interest debt
Consolidating it into one monthly payment may help.
You have a VA loan
The VA streamline (IRRRL) is built for current VA borrowers.
Your options
Three ways to refinance
We’ll match the refinance to your goal. Here’s how each one works.
Cash-out refinance
Refinance for more than you owe and take the difference in cash, using the equity you’ve built.
- Pay off higher-interest debts
- Fund projects or other big goals
- One monthly payment instead of several
A cash-out refinance changes your whole mortgage, not just the cash portion. We’ll walk you through the trade-offs first.
VA streamline (IRRRL)
Already have a VA loan? The Interest Rate Reduction Refinance Loan is built to lower your rate with less paperwork.
- For veterans who currently have a VA loan
- A reduced funding fee
- Flexible documentation requirements
Harmony Home Loans is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
How to decide
When does a refinance make sense?
Refinancing only makes sense when the benefit outweighs the cost. Don’t refinance just because a lower rate is advertised.
What we compare with you
- Closing costs on the new loan
- Monthly savings, if any
- Break-even timing: how long it takes to recover the closing costs through monthly savings
- How long you plan to keep the home
Good reasons to refinance
- A lower payment, a shorter term, a better loan structure, removing mortgage insurance, or access to your equity.
How Harmony helps
Four clear steps with one team
We compare your current loan with what’s available now, and tell you plainly if waiting is the better choice.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
From our team
Refinancing, quickly explained
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What is a mortgage refinance?
It replaces your existing mortgage with another mortgage under different terms. It can lower your monthly payment, change your term, or let you take cash out.
When should I refinance?
When it lowers your payment, reduces interest cost, shortens your term, removes mortgage insurance or gives you access to equity, and the benefit outweighs the closing costs.
What is the break-even point?
How long it takes for your monthly savings to cover the closing costs of the new loan. If you’ll move before then, a refinance may not pay off.
What’s the difference between rate-and-term and cash-out?
A rate-and-term refinance changes the rate or term of your loan. A cash-out refinance borrows more than you owe and pays you the difference.
Can I refinance a VA loan with less paperwork?
Yes. The VA streamline refinance (IRRRL) is for veterans who currently have a VA loan, with a reduced funding fee and flexible documentation requirements.
See what a refinance could do for you
Answer four quick questions. Refinance is already filled in, and nothing financial is asked.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.