Michigan Refinance Review · No SSN Required

Find out if a refinance actually makes sense for you.

Not sure if the numbers work on a refinance? Tell us about your current loan and what you're trying to accomplish. Kirby or Angie will review your scenario and give you a straight answer -- including if the answer is "not yet."

  • No Social Security Number required
  • No hard credit pull
  • Honest assessment -- even if a refi doesn't make sense right now
  • Same day response from Kirby or Angie directly
  • No obligation to move forward
Run the Refi Calculator First Free Consultation Instead

Start Your Refinance Review

Takes less than 60 seconds. No SSN or date of birth required.

By submitting you agree Kirby and Angie Mortgage Loan Team at Union Home Mortgage may contact you by phone, text, or email. Not a loan application or commitment to lend. Subject to credit approval. UHM NMLS #2229229.

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We have your info.

Kirby or Angie will review your loan details and reach out with a straight answer on whether the numbers make sense for a refi. Usually the same business day.

When a refinance makes sense.

A lower rate doesn't always mean you should refinance. Here's the honest framework we use when we review your scenario.

📈 Rate Drop of 0.5% or More

A half-point drop is generally the minimum worth running the math on. The bigger the drop, the faster you recover closing costs. We calculate your exact break-even before you decide.

🕑 You Plan to Stay Long Enough

Closing costs on a refinance typically run 2-3% of the loan. If you're moving in two years, it may not make sense to pay that upfront even with a better rate. We run the break-even math for you.

🏠 You Need Cash or Equity Access

Cash-out refinances let you access home equity for renovations, debt payoff, or other needs. Whether this makes sense depends on your rate, equity, and goals -- and we'll tell you honestly.

🔒 You Have an ARM or Balloon

If you're in an adjustable rate or balloon loan from a local credit union or builder, locking into a 30-year fixed can remove a lot of future risk. This is a common scenario we see in Northern Michigan.

❌ When It Might Not Make Sense

If you're within a few years of payoff, recently refinanced into a low rate, or planning to sell soon -- we'll tell you that too. We'd rather give you an honest no than push you into a refi that costs you money.

💰 Remove FHA Mortgage Insurance

If you originally put less than 10% down on an FHA loan, you're paying mortgage insurance for the life of the loan. Refinancing to conventional -- if your equity and credit qualify -- can eliminate that cost permanently.

Refinance questions answered straight.

No fluff. No hedging. Here's what people actually want to know.

Refinancing generally makes sense when your new rate is at least 0.5-1% lower than your current rate, you plan to stay in the home long enough to recoup closing costs, and your break-even point falls within your expected timeline. Submit your loan details above and we'll run the numbers on your specific scenario at no charge.
Closing costs on a refinance typically run 2-3% of the loan amount and include appraisal, title, lender fees, and prepaid items like insurance and taxes. In some cases a lender credit can offset costs in exchange for a slightly higher rate. We walk through all of this before you commit to anything.
Most refinances close in 20-30 business days from full application. The biggest variable is appraisal turnaround time, which varies by area and market conditions. We give you a realistic timeline upfront based on current conditions.
Yes. There are two main options. An FHA Streamline Refinance requires minimal documentation and no new appraisal if you're staying with FHA. Or you can refinance into a conventional loan if your credit and equity qualify -- which also lets you eliminate the lifetime FHA mortgage insurance premium. We'll identify which path makes more sense for your situation.
Yes. The VA IRRRL (Interest Rate Reduction Refinance Loan), often called a VA Streamline, is one of the fastest and lowest-cost refinance options available. If you have a VA loan and rates have dropped, this is often the first option we look at.
Conventional refinances typically require 620+, with better pricing at 740+. FHA Streamline can be more flexible. VA IRRRL has no set credit minimum. Your credit score affects your rate but a lower score doesn't automatically disqualify you -- submit your scenario and we'll tell you exactly where you stand.

Not sure yet? Run the calculator first.

Our refinance calculator shows your new payment, monthly savings, and break-even point before you talk to anyone. Then submit the review form above when you're ready for a real conversation.

Run the Refi Calculator Book a Free Consultation
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Equal Housing Lender. All loans are subject to credit approval. Rates and programs are subject to change without notice. This is not a commitment to lend. Loan approval is conditioned upon satisfying all underwriting requirements. FHA, VA, and USDA program eligibility subject to specific qualifications. All payment estimates are for illustrative purposes only. Kirby Slocum NMLS #680817 | Angie Anderson NMLS #1999286 | Union Home Mortgage Corp. NMLS #2229229. Licensed in Michigan, Ohio, and Indiana.