Your Lender For Life The first step in your refinance mortgage journey is the application. Whether you are looking to do a rate & Term refinance or looking to tap into the equity for Home Improvement or Debt Consolidation we have options for you. Please be as accurate and thorough as you can when filling out the form. Once submitted, your application will be reviewed and we will get in touch with you to review and discuss your options and answer any questions that may come up.