When Should You Refinance?
There are a number of ways to lower your mortgage payment. An obvious option is to lower your interest rate. Even a small reduction in rate can have a dramatic affect over time.
Eliminate Mortgage Insurance
We have more than one option to eliminate, or at least reduce, mortgage insurance — even if you don’t have much equity.
Use Your Equity
A cash-out refinance allows you to use your home equity to pay off debt, remodel the kitchen, buy a new car, or pay for your child’s college tuition.
Choose Your Term
You have more choices than just a 15 or 30-year term. Now you can choose any specific year you like. Already been paying for three years? Get a 27-year term mortgage.
When does it make sense to refinance? I can’t decide for you, but I can give you information and feedback to help you make the decision. I know this: a refinance should be simple, it should be fast, it shouldn’t cost an arm and a leg, and most of all, it should save you money!
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You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! Ultimately, we hope to EARN your goodwill and nurture FRIENDSHIPS so you think of us whenever you need a mortgage.
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