Refinancing Your Home

Give us a call to find out if now is the right time to refinance your mortgage. You may be able to lower your monthly payments or reduce the time it takes to pay off your loan.

Ready to get Pre-Approved for a Home Loan?
Call Now! 1-877-621-3557 for a no obligation consultation and pre-approval.


Here are some important reasons to consider refinancing:

  • Refinancing for a lower interest rate can drastically reduce the total cost of your mortgage.
  • Converting an adjustable rate mortgage (ARM) to a secure, fixed-rate mortgage can protect you from interest rate increases.
  • Consolidating a first and second mortgage into a single mortgage with a lower rate can help lower your monthly payment.
  • Using your equity is a terrific way to pay off high interest rate loans like installment debts and credit cards or finance home improvements.


AMIC is dedicated to offering you the best loan possible and terrific personal service. Some of the advantages we offer for your refinancing needs include:

  • The lowest rates available to save you the most money possible on your mortgage refinance.
  • Easy online application process.
  • Conforming, FHA, VA, & UDSA loan types to fit any refinancing needs. Many types of mortgage programs to choose from.
  • Guidance and advice from our experienced loan professionals (meet and contact our team).


HARP 2.0 can help even if you have a low credit score or have been unable to refinance in the past due to decreased home value. (read more about HARP 2.0).

Loan Programs

We have highlighted the most common loan programs below. The characteristics and benefits of each loan program are unique, so give us a call and we'll gladly go over the details and help you decide which program will best fit your goals.

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  • Alexis Lyles Loan Officer
    My experience in refinancing and cash out of my loan has been a pleasant experience made by Alexis Lyles at AMIC. Alexis worked very hard, thinking outside the box to utilize her knowledge of self employment qualifying, never giving up and staying positive the whole time. She has always remained professional, kind, patient and motivated through the whole process. Meeting my needs every step of the way. Alexia is an amazing asset to AMIC! Thank you Alexis!
    Patti A.
  • Alexis Lyles Loan Officer
    Having refi-ed a few times and gotten totally frustrated to the rote nature of the process and the apparent lack of understanding of some of my financial data I provided, I did not look forward to going through the process again. Having said that, working with Alexis Lyles put a whole new light on the process and it was easy, to the point, and professional. Alexis knows what she is doing an made it as easy as it could be. She was very diligent in keeping me up to date with the process status and answering my questions.
    Alan Y.
  • David Lyles is the best home loan executive I have ever worked with. He helped me to refinance my house, as well as getting an investment loan. Both processes went very smoothly and David constantly communicated the status of the process. He went above and beyond when we faced an issue with the home owner's insurance and came up with an alternative. I highly recommend AMIC for home loans and specifically David.
    Luis L.
  • Cameron Lemcool, loan officer
    Cameron Lemcool helped us refinance our home here in Colorado last month. He made the process very smooth and easy for us "laymen" to understand and was very considerate and respectful in all the conversations we have had with him. He made suggestions of things we hadn't even considered to help us make the process better and to better meet our needs. Most important to us, he kept us informed regularly .. and when Cameron told us he would contact us or let us know what was happening in the process, HE DID IT! His communication and follow through were excellent. Ultimately, thanks to his knowledge and excellent service, we had a very positive experience and wouldn't hesitate to recommend AMIC to anyone looking for a home loan.
    Frank & Melissa M.
  • Brian Kimmel, mortgage banker
    Brian Kimmel with AMIC was great to work with on our recent refinance. With the Coronavirus outbreak, we realized mortgage rates had plummeted, and we could better our financial situation by refinancing. We were able to refinance from a 30-year conventional to a 25-year conventional, with only a slight increase in our monthly payment. Brian guided us through our different options. He was very clear and helpful. He was always easy to reach by text, phone, and email. The whole process went really quickly and smoothly. Brian went to bat for us anytime there were hiccups along the way. We were able to get through the entire process, starting with his initial proposals, all the way to closing, in under 30 days. We shaved off 4 1/2 years of mortgage payments by going to a 25-year, and got a 2-month break before the new mortgage begins. This helps not only with our long-term financial goals, but also our short-term finances. We hope to work with Brian again a few years down the road to refinance to a 10 or 15-year mortgage. Thank you Brian, and AMIC!
    Brittany S.
  • Chase Swindle, Loan Officer
    I just wanted to thank Chase and all of you at Advance Mortgage & Investment Co. for the expertise that you put into refinancing my home mortgage. I reached out to Chase via phone about a mailing I received for a refinance offer. I was impressed with how professional and courteous Chase was; within 1 hour he gave me some options about how to proceed. This process was very fast and I didn't even need an appraisal. I was kept informed the whole way along until the closing. 21 days to go through a refinance process without an appraisal was incredible. This whole process was an all around great deal for me.
    Brian T.
  • Thank you for helping me with my refinance! You made the process seem almost too easy. You were quick to advice me of any documents you needed from me, while keeping the ball rolling on your end. I may not have had a lot of questions, but when I did, I received a prompt response from you instead of waiting hours wondering if I might be doing something wrong. Very helpful, very prompt, and most importantly, friendly and honest. I would definitely send friends [to Shaun Davis] if they are ever interested in any mortgage help.
    Richard H.
  • David Edwards, loan officer
    David Edwards is a consummate professional, he is knowledgeable of his field and extremely courteous and patient with buyers. I will be using his services again for my clients, and I highly recommend him to others who are in the market of purchasing, or refinancing their homes.
    Jessica J.
  • Joe Davis, loan officer
    I had a great experience with Joe Davis and Advance Mortgage and Investment Company (AMIC). Initially I had contacted three companies to refinance my loan. Joe Davis guided us through the process and was able to use knowledge of the local area. He was very responsive and let us know what to do at each step of the way. I was very glad I picked AMIC.
  • Jacob Bumgarner, loan officer
    Thanks to all of you for a smooth refinance. Jacob Bumgarner and the Advance staff are a joy to work with.
  • Joe Davis answered the telephone when I initially contacted AMIC and naturally expecting to be transferred to someone else, I was quite surprised when he started asking specific questions regarding our financial needs and reason for refinance. Joe was the only person at AMIC with whom I spoke during the entire process of our refinance and was extremely informative about the procedures and financial aspects of our loan refinance. He guided us through the entire process, from application to within hours of our closing. In addition, he took the time to make sure he was meeting our needs and demonstrated his interest in our finances. I would definitely recommend Joe Davis and AMIC for any and all of your financing needs.
  • Mark DeChance, banking manager
    I would like to thank Mark DeChance for helping me refinance my home. You made the experience very easy and you were courteous, knowledgeable and kept me well advised during the process. I will recommend you and your company to anyone. Again thanks for the great service.