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Refinancing Home Loans

Refinancing home loans is not for everyone, but it may be for you. Use refinancing to lock in a low interest rate or find the funds to finance your child’s college tuition. Apply online today using our free short form.

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Refinancing home loans is much the same process as closing the loan the first time around, but in refinancing there is a major difference. This time the homeowner is more experienced and may know more about what he or she is looking for. For example, a homeowner who initially had an adjustable rate mortgage will refinance for a fixed rate mortgage. Or a homeowner with a an interest rate of 9% and a term of 30 years will refinance for a 5% rate and a 15 year term.

Also, homeowners who are interested in any of the above reasons and would also like money for debt consolidation, home improvement or large purchases can refinance for the total of their original loan as well as substantial amount over that total. This is often referred to as a cash-out refinance. This type of refinancing is excellent for paying off debt that has been incurred on loans or credit cards with high interest rates.

The best time to refinance is usually when interest rates are 2% less than the rates used to close your loan. Even if rates are slightly less than 2%, 1.5% for example, a homeowner can still save but it would take a longer period of time for those savings to materialize.

 


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  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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Refinancing is simply the acquisition of a second mortgage that is used to repay the first mortgage. During this process, you can borrow against your home equity to increase the amount of the loan over and above that of your first mortgage. This is called a cash out refinance and gives you the funds to pay for home improvement, college tuition, a brand new car or any other major purchase. Depending on the use of the money left over after refinancing, the repayment may be tax deductible… Amortization is the gradual elimination of your loan debt as you make payments. Each of your payments consists of both interest and principal paid towards your loan balance. Over the life of your loan you will pay more and more principal each month and less and less interest… Interest rates fluctuate continually throughout the year. Looking at the indices that determine interest rates will help you gain a better understanding of what brings interest rate changes about…
An online mortgage lender from our website will offer you a rate on your home loan that takes into account your credit history and your debt to income ratio to help you determine how much home you can afford… Home improvement loans can get you the money you need now to make home improvements. Why wait to buy the home of your dreams when you can finance home improvements to transform the place where you live now. Take advantage of today’s great interest rates…

Equity loans can be taken out to get cash for a large purchase or to simply consolidate and pay off higher interest debts from credit cards or other debts. Expo Financial can get you up to four competitive quotes to get you the best rates possible…

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