Refinance or Use Home Equity
Make Your Home Equity Work for Your Next Chapter
Adjust Your Mortgage or Access Equity
Homeowners refinance for many reasons—lower payments, different terms, or access to built-up equity. Reverse mortgages may suit eligible homeowners seeking a different way to use home equity in later life. This hub outlines paths to explore with Bond Street Mortgage. Browse all mortgage types.
Explore Refinance & Equity Options
Compare the paths below to learn which may fit your goals.
Refinance Mortgage
Replace your current mortgage with a new loan—often to change rate, term, or access equity.
Learn More →Reverse Mortgage
Programs for eligible homeowners that convert equity into proceeds under specific FHA-insured structures.
Learn More →When Refinancing May Make Sense
Homeowners often explore refinancing when goals change—payment flexibility, loan term, or tapping equity for planned expenses. Market conditions and personal finances both factor into the discussion.
Home Equity Considerations
Equity access can take different forms depending on age, occupancy, and program eligibility. Reverse mortgages follow distinct rules from rate-and-term or cash-out refinances.
Working With an Advisor
Bond Street Mortgage advisors provide educational guidance on refinance and equity topics. Outcomes depend on lender guidelines and your complete file.
Speak With a Mortgage Advisor
Not sure which specialty or situation-based program to explore? Connect with a Bond Street Mortgage advisor.
Find an Advisor Contact UsFrequently Asked Questions — Refinance or Use Home Equity
It replaces your existing mortgage with a new loan, often to change interest rate, loan term, or both without taking cash out.
FHA-insured Home Equity Conversion Mortgages and similar products allow eligible homeowners to access equity under specific age and occupancy rules.
That depends on your goals, equity position, and program options. An advisor can help you compare paths without promising a particular outcome.