Refinancing high-value homes
Stonehaven Lending arranges mortgages for homes valued at $1 million and above in Georgia, Alabama, Tennessee, Florida, North Carolina and South Carolina. We are a mortgage brokerage; the lender underwrites and decides each application.
Request a consultationReview the full balance
For larger balances, compare the payoff, closing costs, proposed balance and how long you expect to keep the home. A changed monthly payment alone does not determine the outcome. Refinance calculator.
Cash-out on high-value homes
Define the use of proceeds and compare total debt after closing. Appraisal, existing liens and lender underwriting determine the available paths. Cash-out refinance guide.
Conforming or jumbo at refinance
Home value and loan amount are different figures. Depending on the down payment, a $1 million home may use a conforming or jumbo mortgage. The 2026 FHFA baseline conforming limit for a one-unit home is $832,750; some counties have higher limits. The loan must also meet the lender’s other requirements.
FHFA: 2026 conforming limits. Source checked September 28, 2026.
Tell us about the current loan
Share the property, financing goal and timing. We follow up by text.
Guides
Prepare the next decision
A lower payment alone does not show when closing costs are recovered. The refinance break-even guide helps compare costs, your expected time in the home and changes in the balance before deciding.