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Refinance My Home

Make Your Mortgage Work for You

Life changes, and your mortgage should keep up. If your current loan no longer fits your budget or goals, refinancing can help you lower your monthly payment, secure a better interest rate or access funds for important expenses. At The HomeOwnership Center, we make the process simple and stress-free.

Jami counseling with clients.

Why Refinance with HOC

  • Personalized guidance from a nonprofit that puts your needs first.
  • Access to competitive loan options through trusted partners.
  • Transparent advice focused on your long-term financial health.

When It Makes Sense

  • Lower your interest rate and monthly payment.
  • Switch from an adjustable to a fixed-rate loan.
  • Consolidate debt or fund home improvements.

The HOC team is licensed and registered with the Nationwide Mortgage Licensing System (NMLS), which certifies that we meet regulatory industry requirements. Our NMLS number is 362854.

We have consistently found the staff at the WV HomeOwnership Center to be extremely easy and personable to work with. They have always answered all of our questions and serviced our mortgage with full professionalism and accommodation of our schedule. Our needs always take priority, and they regularly demonstrate that they are there to ensure successful transactions for our benefit. We highly recommend them for your home ownership financing needs.
Tina and Peter Vial
Tina and Peter Vial.

Ready to explore your options?

Setting up your account is quick, easy and opens the door to personalized support, affordable loan options and support designed around your needs.

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FAQ’s

A: It is possible, depending on your loan to value. Speak with our loan originator for more information.

A: The HomeOwnership Center works with all income levels and has many programs and services for a wide variety of people.

A: The only fee that you pay to work with our HUD Certified Counselor is the cost per person of your soft inquiry credit report. The meeting itself is free to you.

A: The HomeOwnership Center offers customers the tools and knowledge they need to become informed consumers and successful homebuyers. The eight hour online Homebuyer Education course provides an overview of the home buying process and what lenders expect. Counselors help customers address their obstacles to home ownership and HOC continues to provide educational opportunities and counseling after a home purchase to ensure sustainable success.