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Should I Refinance My Mortgage?

Benefits of Mortgage Refinancing Programs

Lower Interest Rates

Are you currently paying a high interest rate on a loan you took out 12 years ago? It might make sense to take advantage of lower interest rates available in the market today when you refinance your loan.

Shorter-term Loan

Refinancing to reduce the term or repayment of your loan can be greatly beneficial. Reducing your loan term may come with higher monthly payments, but it gives you lower interest rates. So you can have your debts settled in fewer years.

Reduce Monthly Payments

Lower interest rates come with reduced monthly payments. Refinancing could save you hundreds of dollars when you save on interest charges, especially over a long-term loan.

Switch to Fixed-rate Mortgage

Refinancing lets you switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage. A low fixed-rate loan gives you the chance to lock in your rate and budget a monthly payment for the life of your mortgage.

Take Out Cash

You can convert your home equity into cash by taking out a cash-out refinance. Use refinancing to fund urgent financial needs or to pay off other debts. Mortgage refinance rates are typically lower than high interest credit card or installment debt and it can be beneficial to consolidate into 1 payment through a cash out refinance.

Consolidate Multiple Mortgages

You can merge your first mortgage with a home equity line of credit (HELOC) mortgage into a single monthly payment. Refinancing helps you pay off existing debts at a lower rate. It also makes it convenient to keep track of all your debts if you roll them into one loan.

Great customer service!

Craig and Linda have gone above and beyond twice for my family now. We initially got a FHA mortgage and then, 6 months later refinanced into a conventional mortgage which reduced our monthly payment. I am thankful we had a great team to help us through this process!”
Lisa from Peoria, AZ.

Mortgage Refinancing Programs

Refinance Loan Options

Rate-and-term refinancing means you replace your existing mortgage with a new home loan. It gives you the option to review the current market rates and loan details. You can consider this option if you want to lower your monthly payment or switch to a fixed-rate loan.

Cash-out Loan

A cash out refinance is a loan sought after to obtain cash for home improvements, debt consolidation, college tuition, or whatever your needs may be! The amount of cash that can be obtained can be determined after a consultation with one of our licensed professionals.

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