Timing a refinance can be tricky for borrowers—and answering every “Should I refinance now?” question can take up valuable time. That’s why we’re launching a Smart ReFi Advisor, a new tool that helps homebuyers explore refinancing options independently, before they even reach out to you.
Why This Matters
Refinancing decisions depend on market conditions, loan terms, and a borrower’s financial goals—but not every homeowner knows where to start. Traditionally, loan officers have had to manually walk borrowers through different scenarios to help them understand when and why a refinance makes sense.
The ReFi Advisor changes that by:
✅ Educating Homebuyers Early – Borrowers can explore when refinancing makes sense and how different scenarios affect their finances.
✅ Providing Personalized Insights – Homeowners can input key details and receive tailored refinance recommendations.
✅ Reducing LO Workload – Since this tool is available directly in the homebuyer product, borrowers can self-educate—so loan officers spend less time fielding early-stage refinance questions.
How This Helps You
🔹 More Qualified ReFi Leads – Borrowers who reach out already understand their refinance options, making conversations more productive.
🔹 Less Time Spent on Early Exploration – Loan officers can focus on serious applicants, rather than explaining the basics.
🔹 Increased ReFi Conversions – A more informed borrower is more likely to move forward with a refinance when the timing is right.
By putting refinance education in borrowers’ hands, Hemlock helps loan officers close more refinances with less effort—while giving homebuyers the confidence to take the next step.
