Give your budget and your savings a big boost
No matter what you're refinancing for, SouthPoint Home Mortgage has lots of ways to help you get more out of your home. Thanks to a streamlined application process we can get your home refinanced fast. Plus, you’ll pay off your mortgage sooner and you could lower your monthly payments. Our home loan experts will be with you every step of the way to help you find a solution that fits your needs, your budget, and your LIFE.
Refinancing Loan Options
15 Year Fixed Rate Mortgage
Refinancing into a 15-year loan makes particular sense for homeowners who have been paying their mortgage for several years. It’s also a good option for those who have been paying extra to reduce their principal balance.
| Rate as low as | *APR as low as |
|---|---|
| 5.875 | 6.130 |
30 Year Fixed Rate Mortgage
The advantages of refinancing to a 30-year loan include being able to lock in a low refinance rate for such a long time, while freeing up your money to work for you in long-term investments.
| Rate as low as | *APR as low as |
|---|---|
| 6.250 | 6.406 |
Rapid Refi
Give you budget and your savings a big boost by Refinancing. Thanks to a streamlined application process we can get your home refinanced fast. Plus, you’ll pay off your mortgage sooner and you could lower your monthly payments.
| Rate as low as | *APR as low as |
|---|---|
| 6.625 | 6.718 |
OnPoint 5/5 ARM
An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period. An ARM might be the right option for you if you plan on moving within 7 years since they feature lower introductory interest rates.
| Rate as low as | *APR as low as |
|---|---|
| 6.125 | 6.252 |
OnPoint 7/1 ARM
An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period.
| Rate as low as | *APR as low as |
|---|---|
| 5.750 | 5.911 |
OnPoint 10/1 ARM
An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period.
| Rate as low as | *APR as low as |
|---|---|
| 6.125 | 6.279 |
FHA Loan
Homeowners with existing FHA mortgages may be eligible for an FHA Streamline Refinance. This program provides an opportunity to get better mortgage terms at a lower price.
| Rate as low as | *APR as low as |
|---|---|
| 6.000 | 6.374 |
Jumbo Mortgage
You’ve made your mortgage payments on time, have above average credit and built up some equity in your home. Your looking for refinancing options to lower your interest rate, reset an expiring adjustable rate mortgage or want to consolidate some debt and your loan amount exceeds $417,000.
| Rate as low as | *APR as low as |
|---|---|
| 6.625 | 6.666 |
HomeReady
With HomeReady, cash for down-payment and closing costs can come from multiple sources, including gifts and grants - with no minimum personal funds required.
| Rate as low as | *APR as low as |
|---|---|
| 6.500 | 6.660 |
Rural Development
If you already have USDA mortgage. The Rural Development Refinance offers low rates, and low mortgage insurance fees. When refinancing with this program, you may not even have to provide current income documentation or an appraisal.
| Rate as low as | *APR as low as |
|---|---|
| 6.000 | 6.201 |
Rates effective as of June 12, 2026 and are subject to change at any time without notice.
*APR = Annual Percentage Rate. Rates subject to change. The APR displayed for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges and closing costs. The actual fees, costs, and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Your rate and APR may differ depending on your credit history, property value, loan amount and other factors.
Loan payment example: A $200,000 borrowed for 360 months (30 years) at 6.000% interest and 6.153% APR will have a monthly principal and interest payment of $1,199.
The rates displayed are based on the assumptions listed below and pricing for a standard loan amount range of approximately $176,000 to $200,000, which we use to establish our base mortgage rate.
- Credit score 780 or higher
- LTV 80% (20% down payment)
- Purchase
- Owner-occupied, single‑family home
- No secondary financing
- 45‑day rate lock assumption
Please note that if your credit score, down payment, or other characteristics differ from the assumptions above, your rate may be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.