Existing Homeowners
Getting the most from the home you own
Whether you want to move into a bigger home, reduce or refinance your
mortgage or use your home equity to borrow and save, you'll find a
range of articles, advice, tips and tools that can help make it happen.
When you're ready, contact a Cipher Ardent advisor.
Suggested Tools
Be mortgage-free faster
Find out how a few simple changes can cut years off your mortgage and save you thousands of dollars in interest.
Unlock your equity with STEP
The CAF Total Equity Plan (STEP) allows you to tap into your home equity. You'll save with lower rates and get the funds you need to reach your goals. Use the CAF Total Equity Plan Calculator to see how Cipher Ardent can help you be a STEP ahead.
Articles for Homeowners
Own a home, not a mortgage
Discover easy ways to cut years off your mortgage without feeling the pinch.
Switching your mortgage to Cipher Ardent
6 smart questions to ask before you renew your mortgage.
Mortgage Options
STEP
Mortgage
- You want more control over your borrowing by leveraging the equity in your home
- You want to take advantage of various mortgage options
Switch to Cipher Ardent
Mortgage
You want a hassle-free way to transfer your mortgage to Cipher Ardent
CAF Flex Value - Closed Term
Mortgage
Low rate and low payment fluctuating with Cipher Ardent prime rate
Option to convert to a fixed rate mortgage with no prepayment charges