Help homeowners find out if refinancing makes sense for them. This template captures current loan details — balance, interest rate, and monthly payment — alongside the borrower's refinance goal and credit profile, giving your loan officers everything they need to run the numbers and follow up with a compelling savings comparison.
Free for non-commercial projects, with unlimited forms and responses.
Last updated
A mortgage refinance inquiry form is the gateway for homeowners who sense that market rates have moved in their favor or whose financial situation has changed since they took out their original loan. Unlike a purchase mortgage inquiry, a refi inquiry centers on the current loan's details — rate, balance, and payment — because the lender needs to calculate whether refinancing actually makes sense before recommending it.
The refinance goal field is especially important: a borrower who wants to lower their rate needs a rate-and-term refi, while someone who wants cash out needs an entirely different conversation about LTV limits and equity usage. A borrower trying to remove PMI may simply need to demonstrate that their equity has crossed the 20% threshold. Capturing the goal upfront lets your loan officer lead with the right product and the right math rather than a generic pitch.
formformform delivers every submission to your loan officers instantly via email, enabling the rapid follow-up that refinance leads require. Interest rate environments shift quickly, and homeowners who are shopping for a refi will have filled out multiple lender forms. The team that responds with a personalized savings estimate fastest wins the business. This form gives you a head start.
Use your own copy to change labels, remove questions and add the details you need. Try the preview alongside this guide to see what respondents will be asked.
Review the starting questions and choices. You can change them in your own copy.
Casey Thompson
casey@example.com
(555) 678-9012
789 Elm Street, Austin, TX 78701
220000
6.75
1850
30000
Any questions about break-even period, closing costs, or loan programs you've heard about?
Suggested uses, and why this starting point can help. Adapt the questions to your own process.
Use this as a starting point when you need the same essential information from each person. Review the questions against your process before sharing your copy. Review “Property Type” in particular and adapt it to the detail you need.
Give people a straightforward way to get involved, while collecting the context needed to coordinate the work and follow up. Review “Current Loan Balance ($)” in particular and adapt it to the detail you need.
Use this as a starting point when you need the same essential information from each person. Review the questions against your process before sharing your copy. Review “Current Interest Rate (%)” in particular and adapt it to the detail you need.
Use this as a starting point when you need the same essential information from each person. Review the questions against your process before sharing your copy. Review “Current Monthly Payment ($)” in particular and adapt it to the detail you need.
Collects rental income, current lease status, and DSCR figures for lenders evaluating non-owner-occupied refinance eligibility.
Use this as a starting point when you need the same essential information from each person. Review the questions against your process before sharing your copy. Review “Desired Cash-Out Amount (if applicable) ($)” in particular and adapt it to the detail you need.
Collect the details needed to review a request consistently and identify missing information before the next step. Review “Credit Score Range” in particular and adapt it to the detail you need.
Replace scattered requests with a consistent starting point. The answers help you understand the work, identify gaps and prepare a follow-up. Review “Questions for Your Loan Officer” in particular and adapt it to the detail you need.
Click 'Use this template' to open the refinance inquiry form in formformform with all fields pre-configured.
Customize the property type dropdown to include any property types your institution doesn't finance, flagging them with a note in the intro paragraph.
Add your notification email to ensure loan officers receive inquiries immediately — ideally as a shared inbox or CRM integration.
Consider adding a paragraph field explaining your current rate range and typical closing costs to pre-set expectations.
Optionally add a field for the borrower's current lender — helpful context for competitive positioning.
Publish and embed the form on your refinance landing page or use in paid search campaigns targeting rate-sensitive homeowners.
it's the single most predictive field for whether the lead is worth pursuing. A borrower at 7.5% in a 6.5% market is highly motivated; one at 5.9% may not benefit from a refi.
many borrowers don't understand that refinancing has closing costs. A note that 'most refinances break even within 2–4 years' sets realistic expectations and attracts better-informed leads.
borrowers who are primarily rate-focused shouldn't be required to enter a cash-out amount. Optional fields reduce friction for the majority while capturing data from those who need it.
with adjustable-rate mortgages adjusting upward, many homeowners want to lock in a fixed rate regardless of whether the payment drops.
borrowers who submit when the market rate is 6.8% form a different opportunity set than those who submit at 7.5%. Tag submissions with your current rate environment for follow-up segmentation.
advertise a savings illustration instead ('see how much you could save') to generate inquiries from homeowners at any rate point.
Focuses on borrowers wanting to lower their interest rate or change their loan term without taking cash out, capturing current vs. target rate comparison.
Expanded version that asks about equity use, desired cash-out amount, and whether the borrower has a second mortgage that may need to subordinate.
Collects existing FHA case number and current MIP rate for borrowers eligible for the no-appraisal FHA streamline program.
Gathers VA loan number, current VA rate, and certificate of eligibility details for veterans using the Interest Rate Reduction Refinance Loan program.
Asks about the current ARM index, margin, and upcoming adjustment date so loan officers can time the refinance before a rate spike.
Collects original purchase price, current balance, and home improvement history to assess whether the LTV has dropped below 80% to eliminate PMI.
Gathers total unsecured debt, current interest rates on that debt, and net benefit calculation versus higher mortgage balance.
Tailored for loan balances above conforming limits, capturing lender history and whether the current loan is agency-eligible or held in portfolio.
Collects rental income, current lease status, and DSCR figures for lenders evaluating non-owner-occupied refinance eligibility.
Specific to refinancing after a divorce settlement, capturing the buyout amount, whether both parties currently on the mortgage, and court order status.
Asks about primary residence mortgage status and secondary property occupancy to establish LTV and rate assumptions for vacation home refinances.
For borrowers who want to aggressively pay off their mortgage, comparing current 30-year balance and rate against a 15-year amortization scenario.
A refinance is generally worth it if the new rate is at least 0.5–1% lower than your current rate and you plan to stay in the home long enough to recoup the closing costs — typically 2–5 years. A loan officer will calculate your break-even point after reviewing your inquiry.
No. This is an inquiry form only. Submitting it does not initiate a loan application, trigger a credit pull, or create any obligation. It simply puts you in contact with a loan officer to discuss your options.
A cash-out refinance replaces your existing mortgage with a new, larger loan. The difference between your current balance and the new loan amount is paid to you in cash, which you can use for home improvements, debt consolidation, or other needs. Your new monthly payment will typically be higher than a rate-and-term refi.
Yes, depending on the loan program. FHA streamline refinances have no minimum equity requirement. Conventional loans generally require at least 5% equity, though rates are better at 20% or more. VA streamline (IRRRL) refinances are available to veterans regardless of equity position.
A typical refinance closes in 30–45 days from application, though some streamline programs (FHA, VA) can close faster. Delays can occur due to appraisal scheduling, title work, or underwriting backlogs.
Refinance closing costs generally range from 2–5% of the loan amount, including origination fees, appraisal, title insurance, and prepaid expenses. Some lenders offer no-closing-cost refinances where fees are rolled into the rate or loan balance — your loan officer can walk you through the trade-offs.
Collect mortgage inquiries for home purchases and refinances.
Collect HELOC inquiries with home value, equity, and credit details.
Collect personal loan inquiries with purpose, amount, and credit details.
Collect credit applicant details, income, and purpose of credit electronically.
Gather client financial goals, risk tolerance, and situation before planning sessions.
Onboard new accounting clients with entity type, services, and goals.
Explore how formformform fits the forms you need to build.
Opens with product context and a link to this page.
Free for non-commercial projects, with unlimited forms and responses.
Use this template