Refinance Process


Consult a Loan Officer

First, we’ll get you on the phone with one of our licensed loan officers. They’ll ask you some basic questions to find out more about your refinancing needs.


Provide Your Info

At this point in the process, we’ll collect your property details, run your credit, and verify your income and assets. Investing a little more time up front will save you time throughout the process and allow your loan to move from start to finish faster.


Compare Options & Lock Your Loan

At this point, you’ll review your refinance options and choose the best one for you. Your loan officer can help you compare rate quotes to help you make the right selection. We’ll also set a lock period, secure your rate, and schedule your home appraisal and/or inspection. At this time, your loan will be assigned to a processor who will get your loan to the finish line.


Submit Documentation

We’ll need some additional information to complete your refinance application. Most of this part of the process will be digital! You’ll provide tax returns, pay stubs, identification, and more that we will verify to ensure you’re getting the best possible refinance.



Your processor will submit your loan to underwriting and issue your Conditional Approval Letter. Once your loan is final approved, you’ll schedule a closing appointment to sign the final documents. We’ll keep you up to date on where your loan is in the process every step of the way.



At least three business days before the closing date, we’ll send you a Closing Disclosure for you to review and sign. At the closing table, bring your ID and the necessary funds to complete the transaction. Your closing package will be waiting for you to review with an attorney or notary and sign on the dotted line. We’re so glad you chose Lifestyle Home Lending for your home refinance! If you or anyone you know needs a mortgage lender in the future, give us a call!