USDA home loans, like VA mortgages are a 100% financing home loan. Because there is no down payment, the credit score requirements for USDA mortgages is a little higher than FHA. Most lenders will require a 640 credit score to qualify for a USDA home loan.

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A mortgage refinance means you’ll have to get approved for a new loan, have your finances and credit checked again, get a property appraisal and pay closing costs. Is it worth it to refinance?

Mortgage interest rates are historically low, and the conditions are ideal for U.S. borrowers to refinance a home loan. Often, homeowners refinance to get a better interest rate, to access cash, to lock in a low fixed rate or to shorten their loan term.

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If you’re going to keep a mortgage for many years, it’s best to opt for a lower rate and higher closing costs. If you plan to refinance or pay off the loan after a few years, it’s best to keep closing.

Try realtor.com’s refinance calculator to find out if you should refinance your home. See how refinancing with a lower mortgage rate could save you money.

In addition, refinancing with a home equity loan allows you the opportunity to get funds from your home to use for many purposes. One qualifying metric home equity lenders use is closed loan-to-value (CLTV). CTLV is your current mortgage balance plus your desired home equity loan amount, divided by your home value.

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Refinancing your mortgage is a big step. At Chase, we can help you free up money in your budget by lowering your monthly payments or provide you a one-time cash payment during refinancing by tapping into your home’s equity. Discover how you can refinance your current mortgage and calculate refinance rates and payments with our mortgage calculators.