Refinance

Rewrite your mortgage story

Discover how refinancing with Novel Mortgage can open a new chapter for your finances and future.

when to refinance

is refinancing right for you?

REfinance calculator

See what’s possible for you

Use our simple refinance calculator to find out how your loan could change.

Rave Reviews

Reviews

“Anne was an amazing partner in Getting a loan.”

Her follow up and her knowledge was extremely superior to other loan professionals I’ve worked with. I would highly recommend her for anyone interested in purchasing or refinancing in the state of Florida.

Jim Cox - Ft. Lauderdale, FL

“To say they pulled off the impossible is not an exaggeration.”

We started our home buying process working with a big bank lender, and we were very unhappy with that lender. The communication was terrible. We were warned that we wouldn’t close on time, and ultimately we would lose our house.

9 days before our closing date, we were referred to Anne Clermont and CrossCountry Mortgage, and from that moment on our experience changed drastically. Anne and the CrossCountry team rescued us from a disaster and got us to the closing table on time. To say they pulled off the impossible is not an exaggeration.

Every single person on the CrossCountry Mortgage team was laser-focused on getting us to the finish line, and they were awesome. I can’t say enough good things about the communication, hard work, and effort that the entire team put in to make sure we closed on time.Anne communicated with us frequently by text, email, and phone to keep the process moving forward as fast as possible.

We love our new house, and we are so grateful to Anne and the CrossCountry Mortgage team for helping us get here!

Jennifer W. - Vero Beach, FL

“If you’re a business owner she will get you approved.”

I can’t say enough about my loan officer Anne. I am a hard case as I am a business owner and a 1099 compensated employee. Anne was knowledgeable and understanding from the very beginning, she was very in tune to all my needs. She was always quick to respond to all my messages or emails or questions or concerns and then we had some struggles in the beginning. They were completely not her doing.

All in all my experiences five out of five and while getting a mortgage is an extremely stressfukl situaltion for self-employed business workers mortgage loans in today’s world, Anne made the process bearable by being there and explaining everything every step of the way. I appreciate all her hard work and everybody that was involved in the process with CrossCountry Mortgage. I would definitely recommend using their business, especially if you have issues with being a business owner and need a complicated loan, her experience is very important in finding a lender!!

Thank you for getting me and my family into a beautiful home and thank you guys so much for being there every step of the way!!

Jill C. - Stuart, FL

“ We couldn’t recommend her enough!”

Anne was amazing! We were able to close on our new home in only 2 weeks, thanks to her hard work and professionalism. She is very knowledgable and was very patient throughout the process and was always available to answer our questions. We couldn’t recommend her enough!

Tatiane R. - Wellington, FL

Refinancing

The novel Refinance process

Our story-driven process makes it simple, transparent, and personal to explore your refinance journey. Each chapter is designed to guide you step-by-step from defining your goals and exploring custom options to signing your new loan and beyond. Let’s rewrite your mortgage story together one clear, supportive chapter at a time.

  • Your refinance story starts with a conversation centered around you. We learn about your current mortgage, your new financial goals—lowering payments, tapping equity, paying off your home sooner, or consolidating debt—and whether refinancing truly benefits your overall plan. If it’s not in your best interest, we’ll honestly advise you to wait or explore other options.

  • Next, we explore the wide landscape of refinance opportunities. We’ll compare loans from multiple lenders, review interest rates and terms, and analyze what each option means for your unique situation. Our transparent approach ensures you know the ins and outs of closing costs, loan types (rate-and-term, cash-out, term adjustments), and potential monthly savings before making any commitments.

  • With clear direction in mind, we help you gather updated financial information and submit your refinance application. We’ll guide you through choosing when (and if) to lock your interest rate, as well as setting expectations about documentation, timelines, and home appraisal requirements.

  • Behind the scenes, our team diligently manages your loan review. We coordinate the appraisal (if needed), respond quickly to any requests from underwriting, and keep you updated every step of the way. This chapter is all about clarity and momentum, removing the guesswork and ensuring a smooth experience.

  • With final approval in hand, you move to closing: reviewing the Closing Disclosure, signing your new loan documents, and paying any applicable closing costs. We explain everything thoroughly, so you can celebrate a successful refinance and enjoy the benefits right away, whether that’s financial relief, new funds, or a faster path to being mortgage-free.

  • Our support doesn’t end at closing. We’ll provide annual check-ins, market updates, and alert you if new opportunities arise to improve your financial picture. As your needs evolve, we help you make the most of homeownership for years to come.

  • Refinancing can transform your financial life, and sharing your experience helps others find their way, too. We encourage you to keep in touch, refer friends and family, and offer feedback to help us continually improve the refinance experience for everyone.

Let’s write your story

Book your consultation to let us make lending the easy part.

Your refinance journey doesn’t have to feel like a suspense novel. With the right guide, it can become your ideal story, centered around your financial goals and your dream home.

Let’s get started.