When Should You Refinance?
Lower Rate
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.
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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.
Save Money
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!
J. Wright
My wife and I had an excellent time working with Brent, he was very professional, knowledgeable and intelligent in helping us to get the best loan possible for our new home. We would not hesitate to tell our friends and family to use him as well. Overall we had a great experience with Brent and enjoyed the home buying process even more because of his assistance. - 4/18/2024
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c. singleton
Honest, transparent and informative are three words I’d use to describe my interactions with Brent. While unfortunately my builder’s preferred lender was offering some pretty tough to beat incentives he was willing to take a phone call and even went as far as making a brief video walking me through the estimate I had been given through my builders lender. Often times all of the numbers, fees, credits and percentages can be a bit confusing, he was able to break it down in a way that was easy to understand. Additionally, in an industry where it seems like operating with integrity isn’t always a top priority I can assure you Brent operates with the highest level of integrity. Brent has my full recommendation and is someone I wouldn’t hesitate to work with in the future. Thanks again for your help, Brent! - 3/05/2024
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E. Catala
Great services overall. Brent is always willing to go above and beyond to assure the client is the one that benefits. He was always on top of any changes or requirements so we would get the financing we needed. Even when we were a bit unsure if to go with him or not he never stopped working to win us over. - 3/01/2024
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O. Mendoza
Brent went above and beyond to help me get the right loan for me even when my circumstances were difficult and time-sensitive. I checked other mortgage companies and they couldn't offered what Brent got for me. He was ready to answer any question I had and found solutions that fit my budget and needs. He made everything go so smooth for me. - 2/29/2024
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B. Moore
Brent was very helpful and managed my home loan well. We tried several different ideas to buy a home and he pursued each one with fervor. He kept me honest in getting all my paperwork filled out during a stressful time at work. I would highly recommend Brent to anyone looking to buy a home, refinance, or do any other kind of home loan/building loan. - 11/11/2023
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T. Satterthwaite
Brent was absolutely incredible! My wife and I were first time home buyers and new to the lending process. Brent took the time to answer all of our questions (and we had a lot) and helped us feel comfortable through it all! I have already told my friends to work with them when they start the process of buying their first home! - 10/23/2023
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C. Knapp
Brent was amazing! There are so many moving parts when it comes to purchasing a house and Brent helped us to understand all of those while also making us feel completely comfortable moving forward. We did a 21 day close and Brent was there and on top of everything every step of the way. He helped us to get the best loan for us and was able to communicate everything in a way that us first time home buyers would understand. He was always available to answer questions and very communicative in every step. Thank you for helping us to buy a house when we didn't know it would be possible! - 10/10/2023
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Q. Kent
Brent was so great to work with! Our realtor referred us to him, and I’m so glad she did! He was always quick and easy to communicate with, answered all our questions and did his best to get us a the best rate possible. It really felt like he was on our team. I highly recommend Brent. - 7/22/2023
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T. Tengberg
My wife and I were first time home buyers and were referred to Brent by our realtor. Brent was fantastic! He answered all of our questions thoroughly and was very responsive via email, phone or text message. He got us a fantastic rate that was lower than other quotes. I would recommend Brent to anyone buying a home! - 5/26/2023
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J. Valdez
Brent was very detail oriented and had great customer service. He made sure he was available through every step of the home loan process, performed items in a timely manner, and communicated well with all parties. Definitely made the home buying process smoother and would recommend his services to anyone looking to buy or refinance a home! - 4/09/2023
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C. Reid
I don't know where to begin. But it was a long hard process...and Brent Knapp worked tirelessly to make sure the imposible POSSIBLE! I CANNOT thank him enough for the hard work, time, patience and effort he put into making MY dream come true. With all honesty, I would not recommend anyone else BUT Brent Knapp to do all your home Refi etc... You will NOT be disappoint. Thanks Again BRENT, you are an embassador in your Profession.💯 - 4/05/2023
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S. Rai
As new home buyers we were intimidated by the though of buying a house. Thank you Brent for showing great patience in explaining the intricacies involved with the loan process in a clear and concise manner. It was evident that you really take the time to research all the options, and do not just settle for the easiest or most utilized option. The time and effort you put into our loan and closing process is very obvious and we really want to thank you for everything you did in for us to get our new house. I will be recommending you to all of my friends. - 10/17/2022
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R. Hein
Brent is extremely helpful. He addressed any concerns and questions I had. He made applying and getting qualified for my new home a breeze. I will definitely use him in the future, and will also recommend him to anyone looking for home financing needs. Thanks Brent! - 8/20/2022
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J. Paulson
Brent was really easy to work with and helped me get really competitive rates when purchasing my property. He followed up with me often to help provide answers and added support during the whole process. He sent videos explaining each step of the way which was really convenient. I recommend using him for your home loan needs. - 7/27/2022
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D. Heid
I’ve had mortgages with the big banks and was so ready for a good customer service experience. Brent was awesome from the start and walked us through the proces and presented us with several options. He locked in a great rate for us and was able to close in record time. Both realtors were so impressed that we were able to close so fast. I’d recommend him to anybody. - 3/27/2022
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R. Livingston
Brent is a pro! We are first-time home buyers, and the mortgage process went smoother than we expected. The Assurance team is very quick and responsive and know the ins and outs of their work. Brent was able to apply a bunch of credits to our mortgage, saving us thousands on our down payment. As a customer who is new to mortgages, I am impressed with how effectively they will work in your best interest to get the best mortgage available and making the process as quick and seamless as possible. - 3/27/2022
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P. Rasmussen
Brent and his team (specifically worked with Kelly) were fantastic helping me find a great loan for my home. They helped navigate through some unique circumstances and communicated with me well. Perhaps the best thing is that Brent found a lender who offered an interest rate .375% cheaper than the "preferred lender" that our builder was suggesting--AND it had cheaper fees saving me probably $1-2k when all was said and done. As a first-time-home-buyer, this process was great with Brent and Kelly. Even though my loan was likely smaller than other customers they work with, I was treated super well and never felt like my needs were "too small". Would 100% use Brent again. - 1/27/2022
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S. Wible
Updated Review: Years later I am still using Brent and have re-financed with him a couple times now, every time the process is smooth and very easy to get through. Original: Very easy to contact, and as a first-time home buyer I had MANY questions. Brent was able to answer all of them and in a very timely manner. He was always available when I needed help. - 12/27/2021
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K. Kite
We loved our experience working with Brent Knapp to help us through the loan process on our first home! He went out of his way to make the process as smooth and efficient as possible and responded quickly to all our questions, concerns, or needs. Definitely recommend! - 10/27/2021
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