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Lower your monthly payments, shorten your loan term, and consolidate debt with a new mortgage from Happy State Bank. Unlock Your Savings. Refinance Your Mortgage Today.

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Why Refinance with Happy Bank?

Lower Your Rate

Take advantage of today’s competitive interest rates to significantly reduce your monthly payment.

Shorten Your Term

Pay off your home faster and save thousands on interest over the life of your loan.

Consolidate Debt

Roll high-interest debt from credit cards or other loans into your new mortgage for a single, lower payment.

Access Cash

Tap into your home’s equity to fund home improvements, education, or other financial goals.

Is Refinancing Right for You?

Is your current mortgage rate higher than today’s rates?

Do you want to lower your monthly payment?

Are you looking to pay off your loan faster?

Do you want to consolidate high-interest debt?

If you answered “yes” to any of these questions, refinancing may be a smart financial move. Our mortgage experts can help you determine if it’s the right choice for your unique situation.

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Step 1: Get Pre-Qualified

The Refinance Process

Start by getting a free, no-obligation quote to see your potential savings. This is the fastest way to get an idea of your options.

The Refinance Process, Step 1: Get Pre-Qualified

Step 2: Apply

The Refinance Process

Our straightforward online application makes the process simple. We’ll guide you through gathering the necessary documents.

The Refinance Process, Step 2: Apply

Step 3: Underwriting

The Refinance Process

Our team of experts will review your information to ensure everything is in order.

The Refinance Process, Step 3: Underwriting

Step 4: Close

The Refinance Process

Once approved, we’ll schedule a closing date to finalize your new loan and secure your savings.

The Refinance Process, Step 4: Close

Refinancing FAQs

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Ready to Get Started?

Contact a Mortgage Expert
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Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

Employment at Home BancShares, Inc. is "at-will." "At-will" means employees are free to resign at any time, with or without cause. Likewise, "at-will" means Home BancShares, Inc. may terminate employment at any time, with or without cause or advance notice. No supervisor or representative of HBI has any authority to enter into any agreement for employment for any specified period of time, or to make any agreement contrary to HBI's employment-at-will policy. This policy may not be changed without the express written approval of the Board of Directors or its designated representatives.

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Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Happy State Bank has been working with a third party accessibility specialist and has had its website live user tested by a visually impaired individual to make sure the website is accessible. Accessibility is an ongoing goal of Happy State Bank.

If you have difficulty accessing features or functions on this website, please email us at info@happybank.com during regular business hours and we will work with you to provide the information you seek.

By clicking the “I Understand – Continue” button, you will be re-directed to a new website. The site to which you will be connected has its own accessibility, security and privacy policies and may provide less accessibility and/or security than the current site. Happy State Bank has no control over, and takes no responsibility for the content or performance of any linked website.