The Refinance Process

Upon reviewing your finances, you may have discovered that refinancing could assist you with some of your budgetary goals.  Refinancing can allow you to reduce your mortgage term or free up cash to consolidate your debts, allowing you to improve your financial security or fund life expenses.  Whatever the case may be, J.G. Wentworth has designed an intuitive refinance process that makes refinancing your home a breeze.

J.G. Wentworth leads the lending industry with low interest rates, excellent customer service, and transparent loan pricing. We have developed streamlined processes that set our financial services and home loan options apart from those offered by our competitors. On top of that, J.G. Wentworth acts a direct lender, making obtaining a home loan that much more efficient and convenient.

Our knowledgeable loan specialists will walk you through every step of the refinance process. We strive for accessibility and transparency at all times. Customers can apply on our website or over the phone. Want a status update on your application? Stay informed up-to-the-minute with our online portal. However you go about the refinancing process, we will consistently deliver responsive customer support. Your satisfaction and success are our primary goals.

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Your Roadmap for the Refinancing Process

As you explore your options, you should have a goal in mind for what you want to achieve through refinancing your home. During the process, having certain financial details handy will make everything go more smoothly. Note that a J.G. Wentworth home loan specialist can also review the process with you and address any questions that you may have.

  • Check Your Credit

    Different loans come with different credit score requirements. Knowing which loans you can qualify for will help you narrow down your options and choose one that best suits your goals.
  • Review Your Finances

    You will want to have a broad understanding of your current financial standing. What is your monthly income? How much are you currently paying in mortgage payments and other regular expenses? As you reexamine your budget, consider using our mortgage payment calculator. Having an estimate of your future monthly mortgage payment will help you plan ahead.
  • Assess Your Options

    A J.G. Wentworth loan specialist will explain all the options available to you. At this point, it is important to share your personal goals for refinancing. Are you planning to renovate your home? Are you funding your child’s education? Your objectives and qualifications will be the determining factors in choosing your loan.
  • Apply for Refinancing

    Our intuitive application process was designed with a focus on convenience and clarity. If any questions or concerns arise while you fill in your information, our home loan specialists can assist you.
  • Underwriter Review

    Unlike many other companies in the lending industry, we manually review each and every application, giving you the best chance to get approved. One of our knowledgeable underwriters will go over all the details, making sure that everything appears to be in place before proceeding.
  • Sign the Paperwork

    After approval, all you need to do is sign the paperwork. Congratulations -- you have successfully completed the refinancing process!

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When you work with J.G. Wentworth, your goals become our goals. Our award-winning customer service and A+ rating with the Better Business Bureau reflect our commitment to customer satisfaction. These factors, in addition to our low mortgage rates and broad range of home loan options, make us the perfect choice for your refinancing journey.

If you still have any questions about the refinancing process, don’t hesitate to contact one of our loan specialists. Alternatively, browse our mortgage FAQs. Want to see how low your rate could be? Get a rate quote today.