YOUR HOME, YOUR TERMS

Unlock your home’s equity or find the right mortgage

Compare purchase, refinance, and cash-out options in minutes. No hard credit pull required to see personalized estimates.

Why homeowners choose Archie Rate

Refinance to reduce your rate or shorten your term while keeping payments predictable

Cash-out options help you fund improvements or consolidate high-interest debt.

Answer a few questions, compare options, and connect with a licensed specialist.

Step 1

Share your goals, home value, and a few details about your mortgage.

Step 2

We match you with potential rates and terms—no hard credit pull to view estimates.

Step 3

Connect with a specialist to finalize your application and lock a great rate.

“We knocked $300 off our monthly payment.”

Amanda R.

“The process was fast and easy—highly recommend!”

The Johnsons

“We used cash-out to remodel our kitchen.”

Marcus T.

Is there a hard credit check?

No. Getting your initial rate estimates won’t affect your credit. A hard inquiry occurs only if you choose to proceed with a full application.

What fees should I expect?

Costs vary by product and lender. We’ll outline potential closing costs and options to roll fees into your loan if available.

Can I get cash out?

Yes. Cash-out refinancing lets you access equity for renovations, debt payoff, or other goals—subject to eligibility and LTV limits.

How fast can I close?

Many borrowers close in 25–35 days, depending on documentation and appraisal requirements.