Our Refinance Process

Are you trying to get a better rate? Take cash out? Here’s the run-down of the process of refinancing your home loan with FGMC Retail.

Apply Online

We’re here when you’re ready! The first step to the loan process is letting us know that you’re interested in refinancing your loan. You’ll provide some basic details to help us get to know you and your goals.

Talk To Your Loan Officer

Once you submit your information, an FGMC Retail loan expert will reach out to you to create a plan that works for your unique situation. You’ll talk about your refinance goals and how we may be able to help you reach them. Ask any questions you have, we’re happy to help you!

See what Loan Products we offer here.

Lock In Your Rate

Mortgage rates can change daily, so when you’re ready it’s time to lock in your rate! After you’re locked in you will receive disclosures to e-sign and kick off your refinance process.


In some cases you may need to provide a home appraisal to complete the loan process. We will instruct you with further details on completing this crucial step in completing your refinance.

Processing & Underwriting

During this step your loan will go to our Operations team to take care of the processing and underwriting necessary to close your loan. You will work with your assigned Loan Processor to provide documentation, verification, and information needed to complete the loan process.


Once your loan is approved you will be clear to close. (This is our favorite part!) From there you will select a date to close on your loan. Once the papers are signed and the loan is funded, you're all set!

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