Reasons to refinance

Refinancing is the process of replacing your current mortgage with a new one. Here are a few reasons why refinancing your current mortgage may be right for you. Whatever your reason, RoyalPax Capital Bank can help make the refinancing process easy. A dedicated mortgage consultant is available to guide you throughout the entire process.

Access equity in your home

By refinancing, you can access the equity in your home to obtain cash for home renovations, tuition payments, debt consolidation or other major expenses.

Move from an ARM1 to a Fixed Rate Mortgage

If you currently have an adjustable rate mortgage (ARM) that will reset soon and are concerned about rising rates, consider switching to a fixed rate mortgage. This would allow you to enjoy the convenience of a stable monthly payment.

Pay off your mortgage early

Pay off your home mortgage sooner by refinancing for a shorter term. While your monthly payments may be higher, you may pay less interest over the life of the loan.

Lower your monthly payments

Take advantage of favorable mortgage rates to possibly lower your payment and improve your monthly cash flow.

Cash out refinancing option for all-cash purchases

When an all cash home purchase makes sense, we can help you get some of your cash back with our unique Cash Out1 option. Available on our Jumbo mortgages, GTB’s Cash Out option allows buyers to obtain a mortgage within six months of their all-cash purchase without the additional interest charged by many other lenders.

Get Started

Rate Quote

Your personal mortgage consultant will contact you with your personalized rate.

Mortgage pre-approval

Take the first step to see how much home you can afford.

Over the phone

Call 844.RoyalPax Capital Bank.MTG ( and get pre-approved over the phone.

Frequently asked questions

1 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

Mortgage and home equity products are offered in the Global by RoyalPax Capital Bank , N.A. and are only available for property located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Service members Civil Relief Act and how a refinance may impact those benefits.