A refinance look with no initial credit pull.

The Forte Financial Free refinance (FFF) is how we look at a rate-and-term or no-cash-out refinance without putting you through a sales gauntlet. Two things that are actually useful:

• No initial credit pull for the evaluation, so a conversation does not ding the score on day one.
• A free look at the scenario — whether the payment, term, or cash-out (if you want it) is worth doing.

What “no-cost” means here: Forte Financial pays the loan’s closing costs with a lender credit at closing — origination and the usual third-party loan fees. That credit does not cover taxes, homeowners insurance, or escrow deposits. Those prepaid items stay with you either way, whether you refinance or keep the current loan. If the numbers do not help you, we will say so.

Some files move quickly. Closing speed depends on title, underwriting, and the file. We will not promise a calendar.