REFINANCE AND EQUITY
Lower your payment. Tap your equity. Or wait smarter.
We’ll tell you straight if a refi pays off. If it doesn't yet, you'll know the exact rate where it would.
★★★★★ 5.0 from 450+ Google reviewsYOUR BREAK-EVEN RATE
Not ready yet? Know your number.
Every loan has a rate where refinancing starts to pay. We’ll find yours, so you know a good deal the moment you see it.
- The rate where a refi starts saving you money
- What it would save you each month
- How fast it pays for itself
No pressure. No spam. Just your number.
What are you hoping to do?
Bought with FreeFi? If you closed with us in the last 3 years and rates dropped, your qualifying closing costs may be covered. See terms
ESTIMATED MONTHLY SAVINGS
$313
$2,865 now → $2,552 after
Pays for itself in about 20 months
Scale: 5 years
Get my real numbersIllustrative only. Example rates are not quotes. Principal and interest on 30-year terms. Not a commitment to lend. Get an official Loan Estimate before choosing a loan.
Every way to put your home to work.
Grab a free guide, or connect with us.
Rate and term refinance
Lower your rate, your payment, or the years left on your loan.
Homeowners say it best.
See more reviews“I reached out to Poli Mortgage and left a message and Chip called me back right away. Chip is very good at what he does and was able to find me an even lower rate with the same criteria as my original mortgage within days! Sarah is the best and helped me with everything throughout the whole process. We closed in less than 30 days!”
Ann Y. · Refinance · Google review
“Excellent experience with Poli mortgage! I did my research and they had the best rates by far and were transparent and helpful throughout:) This is not my first refinance and it was a somewhat complex cash out.”
Carla C. · Cash-out refinance · Google review
“I recently refinanced with Poli Mortgage. They were great to work with. There were certain times during the process when I had questions. All of my emails/phone calls were answered within 24 hours.”
Arlene L. · Refinance · Google review
Homeowner questions.
Have questions? We're here to help every step of the way.
FOUNDER-LED SINCE 2001
An honest answer, from a real person.
Chip and the team personally guide every loan, backed by a full processing and closing team.
Prefer to start online? Apply now →It goes straight to our team, not a call center.
WHAT HAPPENS NEXT
- 1Apply in about 15 minutes
- 2We call or email you, usually same day
- 3Get your options in writing
Chip Poli
Founder · NMLS #19598
Call 781-232-8000
E: chipp@poligrp.com
Calls go to our main line, so you always reach a real person.
Sarah Zagaglia-Joy
Branch Manager · NMLS #1914862
Call 781-232-8000
E: sarah.joy@poligrp.com