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Mortgages Refinancing

Homeowners making decisions about refinancing mortgages have many factors to consider:

  • Are interest rates significantly lower than they were when I closed my loan?
  • Do intend to remain in my home for the next ten years?
  • Do I have enough years remaining on my mortgage to make refinancing worthwhile?
  • Do I want to switch from an adjustable rate to a fixed rate?
  • Do I need a lower cap on my adjustable rate loan?
  • Is my credit as good or better than it was with my first mortgage?
  • Can I do better than the loan I currently have?

Apply Here – Check out our short form – free quote request

Interest rates are down and many homeowners are tempted to look into refinancing their mortgages, but is refinancing the right decision for you? If your interest rate or monthly payments are too high, now might be your opportunity to save money. Fill out our free short form to contact up to four lenders about mortgages refinancing.

A significant drop in rates can mean 2% less than the rate you currently have, however you can still gain from a drop of 1.5% or 1%, however you would want to closely analyze your situation before taking advantage of a smaller drop.

That last question is very important. If your credit is no longer as clean as it was when you first bought your home, refinancing could actually hurt you. If you have developed a large income to debt ratio, you may not be able to receive the low interest rate that has been tempting you to look into refinancing. You may also want to check your credit report to ensure that there are no false claims that could keep you from getting that rate that you want.

 


4 Loan Offers – One Application
  • Expert lenders compete for your busines with low rates and great loan terms
  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
  • No mandatory credit check – let only the lender you choose check your credit
  • Free evaluation of your borrowing options in a no obligation setting
  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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  Home Lending Resources
Mortgages refinancing all up and down our streets are a clue to all of us that it may be in our best interest to have refinanced a few times in the past few years if we intend to stay in our homes for any more than 2 – 3 years… Mortgages calculator tools are a free service provided by our web site to help you get comfortable with your borrowing options before and after speaking with a qualified mortgage professional. Feel free to ask any questions you have about the loan process… Our mortgage calculator allows you to estimate your monthly payments on a new loan with only a few simple inputs. You can save these results and shop around for a loan that suits your needs…
Adjustable rate mortgages appeal to borrowers because they are more easily obtained and can be configured to never rise above a predetermined interest rate for added safety… First time home buyer programs are setup to help new families obtain loans without having to come up with large sums of money for a down payment. Switch from renting to owning today and build up equity in a home that is yours for a stable future for your family…

Reverse mortgages can be setup to give immediate cash or an income on a monthly basis. If you are an elderly homeowner who would like to use your homes value as your nest egg for retirement you can turn it into a source of monthly income…

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