Refinance Your Mortgage
Lower your payment, shorten your term, or tap into your home equity with a personalized refinance strategy from Lake State Mortgage.
Choose Where To Start
Why Refinance Your Home?
Whether you're in Grand Rapids, across Michigan, or in any of the 16 states we're licensed in, refinancing with Lake State Mortgage can deliver major savings and flexibility.
Lower Monthly Payments
Reduce your interest rate and monthly cash outflow by replacing your existing rate with a more competitive one tailored to today's market.
Pay Off Your Loan Faster
Switch from a 30-year to a 15-year term to build equity rapidly and save tens of thousands in long-term interest.
Tap Into Home Equity
Consolidate high-interest debts or fund home renovations and major investments through a Cash-Out Refinance.
Refinance Calculator
See how much you could save by refinancing your current mortgage.
Refinance Calculator
See how much you could save by refinancing
* This is an estimate of Principal & Interest only. Taxes, insurance, and other fees are not included.
Common Refinance Programs
We offer a wide variety of refinance solutions to fit your goals.
Rate & Term Refinance
Replace your current home loan with a lower interest rate, shorter term, or more favorable structure without taking cash out.
Cash-Out Refinance
Leverage your accumulated home equity to get tax-free cash for debt pay-off, home improvements, or strategic investments.
Debt Consolidation Refinance
Roll high-interest credit cards and personal loans into one lower monthly mortgage payment to free up cash flow.
FHA & VA Streamline Refinances
Fast-track rate reductions with reduced documentation, limited underwriting, and often no appraisal required for existing FHA or VA borrowers.
Why Refinance With Lake State Mortgage?
As an independent mortgage lender licensed in 16 states, Lake State Mortgage offers a wide variety of traditional and unique loan programs — and we build a refinance strategy around your individual goals rather than a one-size-fits-all box.
- Personalized Guidance: We analyze your full financial picture to find the refinance that actually saves you money.
- Wide Variety of Options: Conventional, FHA, VA, DSCR, bank statement, and non-QM portfolio solutions under one roof.
- Local & Responsive: Based in Grand Rapids, our team provides clear communication throughout the entire process.
Ready to See Your Savings?
Start your secure online application or call our 24/7 AI Pre-Qual Hotline to explore your refinance options today.
What Our Clients Say
Over 200 5★ verified reviews from homeowners like you.
"Kevin Wildman of Lake State Mortgage and his assistant, Christina, are like a godsend!!!"
Kevin Wildman of Lake State Mortgage and his assistant, Christina, are like a godsend!!! From the very first day I spoke to Kevin and all the way through the process, he was very kind, humble, patient, professional, attentive... Shall I go on? They were with us every step of the way!
Robert Shipley
Zeeland, MI
"Very Customer Focused"
Kevin and his team were prompt, friendly, and very available, even off hours. His team members were extremely helpful, and helped us complete all documentation easily and quickly. They also answered questions outside their area to help us with closing.
Aaron R.
Spring Lake, MI
"Amazing Service"
Lake State Mortgage provided excellent service. Every member of the staff was courteous, thorough, and quick to assist us with every question or issue. They even helped us find an agent to provide a great home insurance premium. We closed with a VA loan in four weeks!
April Norcross
Grand Rapids, MI
"Investment Home - Refi (AWESOME LENDER!)"
We found Kevin and learned about our various options with refinancing the home in order to re-invest in another property. Kevin was incredibly helpful, resourceful and guided us through every step of the process. We are definitely using him for all our mortgage needs in the future!
Jo Gamrot
Muskegon, MI
"Purchase on a new home - Record time closing!"
Kevin and his team are amazing! They were efficient, and were able to close my mortgage for me in record time. I was with a different lender at first that gave misleading information and expectations that were never met. So I switched my mortgage to Kevin's office and it was smooth sailing!
L. Decker
Indian River, MI
"Seamless MSHDA Down Payment Assistance"
Lake State Mortgage helped us secure $10,000 in MSHDA down payment assistance as first-time buyers in Grand Rapids! Kevin Wildman and his team walked us through every requirement without making it feel overwhelming.
Michael & Sarah K.
Grand Rapids, MI
Ready to Get Started?
Choose from our easy ways to start your mortgage journey with Lake State Mortgage.
Get Pre-Approved
Instant digital application via our secure online portal.
Apply Online Now