Refinance with GMFS Mortgage

Lower Your Rate or Shorten Your Term

Couple checking over expenses

Save Money with a Rate & Term Refinance

Looking to lower your monthly mortgage payment or pay off your home faster? GMFS Mortgage offers rate and term refinance options that help homeowners like you take advantage of today’s competitive interest rates and achieve long-term financial goals.

What is a Rate and Term Refinance?

A rate and term refinance replaces your current mortgage with a new one that has better terms—typically a lower interest rate, a shorter loan term, or both. Unlike a cash-out refinance, this option doesn’t provide cash back. Instead, it’s designed to help reduce your monthly payment, build home equity faster, or lower the total interest paid over the life of your loan.

Benefits of Rate and Term Refinancing with GMFS Mortgage

  • Lower Your Interest Rate: Take advantage of lower market rates and reduce your total interest cost.
  • Shorten Your Loan Term: Move from a 30-year mortgage to a 15- or 20-year term to pay off your home sooner.
  • Lower Your Monthly Payment: Refinancing to a longer term or lower rate can reduce your monthly obligation.
  • No Cash Out Required: Keep your equity in your home while improving your loan structure.
  • Trusted Local Lender: With over 20 years of experience, GMFS Mortgage offers personalized service and local expertise.

Is Now the Right Time to Refinance?

If your current mortgage rate is higher than today’s market rates or your financial situation has improved since you first bought your home, it may be a smart time to refinance. GMFS Mortgage loan officers can help you explore your options and run the numbers to ensure it makes financial sense.

Young couple shaking hands with GMFS loan officer refinancing their home

Why Refinance with GMFS Mortgage?

  • Competitive refinance rates
  • Fast, simple application process
  • Local loan experts to guide you every step of the way
  • Wide range of loan programs and terms

Get Started Today

Contact GMFS Mortgage to see if a rate and term refinance is right for you. It only takes a few minutes to start saving money!

Get Started
Rating: 5 out of 5

GMFS–Ashley especially–have been easy to do business with. From the very beginning of the mortgage process to the present, she has been there to answer questions and support our mortgage.

Kyle K.
Rating: 5 out of 5

Ashley and her team are awesome! In spite of the issues we faced in our construction process, Ashley made sure we never had any worries about our loan. She was knowledgeable, professional, responsive and a true lifeline for us. We are forever grateful for the personal attention she gave us, and for always treating us like our business mattered. We highly recommend her to anyone building or buying a home. Customer service at its finest!

Donna T.
Rating: 4.5 out of 5

Darren did a great job. He was very knowledgeable and responsive througho the process. Toward the end of the process we did get some odd request from loan approvers (not Darren) which is why I rated the overall experience as ok and not great (i.e. requirement to make cosmetic vinyl siding repairs prior to closing).

Jason M. Saint Francisville, LA
Rating: 5 out of 5

Everything was easy and seamless

Shawn C. Grosse Tete, LA
Rating: 5 out of 5

Ashley Neely and her team are amazing! We found them to be very knowledgeable and professional. They offer services that many others don’t have, and their rates and fees are competitive. Most of all, they make it obvious that your business matters to them, and they go above and beyond…

Ashley Neely and her team are amazing! We found them to be very knowledgeable and professional. They offer services that many others don’t have, and their rates and fees are competitive. Most of all, they make it obvious that your business matters to them, and they go above and beyond to help you every step of the way. It has truly been a pleasure to deal with them and we will be forever grateful for the personal attention they gave us. Choosing GMFS to finance our new construction has truly been one of the best decisions we made, and we highly recommend that everyone consider them for their mortgage lending needs. Thank you, Ashley, for all you have done for us!

Donna T.
Rating: 5 out of 5

Ashley Neely and her team are amazing! We found them to be very knowledgeable and professional. They offer services that many others don’t have, and their rates and fees are competitive. Most of all, they make it obvious that your business matters to them, and they go above and beyond to help you every step of the way. It has truly been a pleasure to deal with them and we will be forever grateful for the personal attention they gave us. Choosing GMFS to finance our new construction has truly been one of the best decisions we made, and we highly recommend that everyone consider them for their mortgage lending needs. Thank you, Ashley, for all you have done for us!

Donna T.

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.