Improve your mortgage with a refinance.

Capitalize on low rates and refinance your mortgage for a potentially lower monthly payment, better terms or the opportunity to turn your equity into cash.

Your new loan is waiting.

Ready to refinance? Choose Wyndham Capital and find loan options that work for you. From lowering monthly payments to tapping your equity, our loan officers can assist you in making those decisions.


Wyndham Capital is a FinTech mortgage lender. We’ve automated nearly 3.5 million menial tasks which provides more hands-on time and gets you to the closing table faster.


It’s important to move at a pace that matches your needs. That means no stall times and quicker communication.


Throughout the entire process, the goal is to be as open as possible, whether that’s with our transparent rates, loan options that fit your needs or no application fees.

Keep your mortgage refinance costs low.

By choosing Wyndham Capital for your refinance, you’ll not only enjoy a digital mortgage experience but also could save money.

Refinancing Options and Benefits
When it comes to refinancing, you have options. Each refinance option comes with unique benefits and rates to help you achieve your financial goals.

Cash-Out Refinance
Cash-out refinancing puts your hard-earned cash from the equity you’ve built in your home back in your pocket, so you can make those repairs, start that renovation you’ve been dreaming about or even pay off other debt.

FHA Streamline Refinance
An FHA streamline refinance enables you to lower either your interest rate or monthly payment. If you go with an FHA streamline, you could save thousands of dollars on your overall loan with the current mortgage refinance rates available online and on your schedule.

VA Streamline Refinance
Our VA streamline refinance option gets veterans refinanced in less time and with fewer qualification criteria than a standard VA loan. Choose from multiple refinance rates and term programs that suit your needs.

Refinancing Process Checklist
1. Choose Wyndham Capital

Choose a mortgage lender that can give you competitive mortgage refinance rates and term options currently available as well as one that provides the customer service you desire. Compare mortgage refinance rates as well as estimated closing costs to help decide which lender suits your needs.

2. Gather the Necessary Paperwork

This typically includes:

  • One month of paystubs
  • Two months of bank statements
  • Two years of W-2s and federal tax returns
  • A copy of your homeowners’ insurance policy
  • A recent mortgage statement
  • A list of your current debts
  • Proof of supplemental income (if applicable)

3. Apply For Your Home Loan Refinance

Fill out your home refinance application and provide the paperwork to your lender when requested. Better yet, work with a digital mortgage lender and send your application and paperwork right from your phone, tablet or computer. Your lender will perform a credit check and verify all the data from the paperwork gathered to determine the mortgage refinance rates and loan terms that are available to you.

4. Get a Home Appraisal

As your paperwork is being reviewed by a mortgage underwriter, the lender will schedule a home appraisal, unless you qualify for an appraisal waiver. Once this is complete and your paperwork is approved, you’re one step nearer to closing.

5. Close On Your Loan

Once you’ve solidified your loan, it’s time to close and reap the benefits – whether that’s money in your pocket or a lower monthly payment.

Refinance Rates and Terms

There is a variety of mortgage refinance rates and terms available to fit your financial needs and goals.

30-Year Refinance Rates

A 30-year refinance replaces an existing mortgage loan with a new 30-year refinance loan. This typically occurs to revise the interest rate, length of the payment schedule or other terms of the loan. 30-year refinance rates offer a lower monthly payment amount when compared to all other refinance terms.

20-Year Refinance Rates

20-year refinance rates are typically lower than the 30-year refinance option. Because of this, a 20-year refinance offers lower rates but higher monthly payments.

15-Year Refinance Rates

Choosing a 15-year refinance allows homeowners to build equity faster and pay their mortgage off sooner. Because the length of the loan is shorter than 20 and 30-year options, the mortgage refinance rates usually are lower.

10-Year Refinance Rates

A 10-year refinance offers the shortest payment schedule of all refinance options. It comes with a higher monthly payment than all other refinance options but enables the borrower to pay their loan off sooner with refinance rates that are lower than other longer-term refinance options.

Answers to Your Most Frequently Asked Refinance Questions

What is a refinance rate?
It’s the new interest rate you pay on your refinanced mortgage loan. When you refinance your home loan, you get a current interest rate. This is called a refinance rate.

What are today’s mortgage refinance rates?
Refinance rates are not fixed and can quickly change with the real estate market. Wyndham Capital’s rate comparison tool makes it easy to find and compare today’s refinance rates, allowing you to compare and help decide if refinancing is a good option for you.

Who has competitive refinance mortgage rates?
Wyndham Capital can offer low refinance rates thanks to our digital advantage.

How do I find mortgage refinance rates for my needs?
We suggest shopping around to compare rates. Wyndham Capital makes it easy to compare our mortgage refinance rates from the comfort of your home. You can enter information specific to your situation and see what refinancing options are most suitable for your needs.

Is it worth it to refinance?
There are a variety of benefits to refinancing. Deciding if it’s right for you can depend on your current home loan and financial situation. Here are three instances where it may be worth it to refinance:
To get a lower interest rate than what you’re currently paying
To shorten your loan term
To access the equity in your home to make a big purchase, tackle home improvement projects or consolidate debt (any of which a cash-out refinance may help with)
Even lowering your mortgage interest rate by 1 percentage point could have a big impact on your monthly budget.

Where can I get refinance mortgage rate calculators?
We recommend using a refinance mortgage calculator with property taxes, homeowner association (HOA) fees and insurance inputs to get a realistic idea of what your new refinanced mortgage loan may look like.

What is the adverse market fee?
In August 2020, Fannie Mae and Freddie Mac announced the addition of the adverse market fee to newly refinanced conventional loans. In summary, any refinanced conventional mortgage loan processed by Fannie Mae or Freddie Mac AFTER December 1, 2020, will be subject to the fee, charged by the lender in the form of a slightly higher interest rate between 0.125 percent and 0.25 percent. Given the comparatively low current mortgage refinance rates, many homeowners could benefit from a refinance even with the adverse market fee attached.

I’m ready to refinance. What should I do first?
The first thing you should do is confirm you can in fact refinance your home loan. Check with your lender to find out if your current home loan has any refinancing restrictions, as some home loans limit how soon you can refinance. Then verify you have enough equity in your home to qualify for a refinance. Generally, your loan-to-value (LTV) ratio must be less than 80 percent to refinance. Once these factors are determined, you can begin the home loan refinancing process and take advantage of competitive refinance rates.

Our digitally driven processes give Wyndham Capital the ability to spend less time on menial paperwork and more time providing you mortgage refinance rate options. Apply in just a few minutes, and we’ll get you from application to funding with no hidden fees and competitive rates.