Lower Rate | Change Term

One of the most popular reasons people choose to refinance their home is 1) to lock in a lower interest rate or 2) to change the term of their loan - which means changes the number of years on the mortgage. Either way, when it comes to refinancing,  RHMC has you covered. Whether you are looking to lower your monthly payment, shorten your term, or switch to a fixed or adjustable rate, we specialize in simplifying the mortgage process.

RHMC offers the widest variety of products to help you refinance.  Our mission is to help you meet your individual financial goals. Explore some of our most popular programs and let us customize a loan for you. We'll help you Mortgage Smartly.

Low Fixed Rate Mortgage

You have more options than a 30 Year or 15 Year Fixed with RHMC!

A Fixed Rate mortgage is perfect for people want the safety and consistency of a rate that will not change over the life of the loan.

We can offer Fixed Rates mortgages from 8 years to 30 years and anywhere in between. Work with one of our sales associates, choose the term that is right for you. 

  • 10 Year Fixed

  • 15 Year Fixed

  • 20 Year Fixed

  • 25 Year Fixed

  • 30 Year Fixed

Mortgage Your Way -- Pick Your Own Term (anywhere from 8-30 Years)

Mortgage Your Way - Fixed Rate

Pick your own mortgage term!

If the traditional 15, 20 and 30 year fixed mortgage terms are not helping you reach your financial goals, RHMC offers MortgageYourWay – a program that allows you to choose your very own mortgage term. Simply stated:

  • You choose your term from 8-30 years, and everything in between.

  • Loan amounts up to $417,000

MortgageYourWay offers fixed rate pricing so you can take advantage of great low rates with the peace of mind knowing your rate will not change.


Want to Refinance but Don’t Want to Lose Payment Years?

This program can be particularly beneficial if you are looking to refinance, but don’t want to move back into a longer term loan. With MortgageYourWay — you can pick up right where you are, while taking advantage of today’s rates.

Choosing Your Term means Choosing Your Payment

Has your income changed? 

Do you have a child going to college? Do you simply want to pay off your mortgage in a timelier manner? MortgageYourWay enables you to choose the payment you want by refinancing your loan into number of years that works best for you.

  • Don’t want to be burdened with higher monthly payments? You choose a longer term.

  • Want to pay your mortgage off more quickly? You choose a shorter term.

With RHMC’s MortgageYourWay, the Choice is Yours. Contact us today at 866-998-RHMC for more information and a free quote!


Rate Lock Guarantee

Rate lock guarantee protects you from an increase in interest rates during the loan process.

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Adjustable Rate Mortgage (ARM)

Take advantage of low rates now with extremely low ARM rates

For borrowers who are seeking short-term security and stability, an Adjustable Rate Mortgage (ARM) provides a fixed payment for a specified period of time, normally at lower rates than offered for a fixed rate mortgage. ARMs are tied to an index, where as the rate changes your payments can go up or down in relation to those changes.

An ARM could be a great option for you if you plan on owning your home for a few years, or plan on refinancing shortly after purchasing. Deciding on an ARM depends highly on current interest rates and your individual situation and flexibility.

RHMC offers the following ARM products:

  • 5/1 ARM (Fixed for the first 5 years, adjustable thereafter)

  • 7/1 ARM (Fixed for the first 7 years, adjustable thereafter)

  • 10/1 ARM (Fixed for the first 10 years, adjustable thereafter)

Find out how low your adjustable rate mortgage could be! Click Get Started, and have an RHMC mortgage expert reach out at a time that's convenient for you.