Refinancing your current mortgage

If you assume refinancing means becoming a high risk for multiple paper-cuts, we have good news! "Less paperwork and more individual service" means you enter a frustration-free zone from application to closing. If you are interested in improving your interest rate and monthly payment, I can simplify the process for you and eliminate your anxiety. I can even help you pay down your balance more quickly for a comparable monthly payment. I can help you get the very best refinance loan! Call me today at: 520-250-9486.

I will give you the personal service you deserve and treat you right. I realize the big commitment you are making in purchasing a new home, refinancing a mortgage, or tapping into your equity. So I make the following commitment to you: I can help you qualify, apply and be approved for the very best mortgage loan for you.

Selecting a Refinancing Loan

	Looking for mortgage advice? We can assist you! Give us a call today at 520-250-9486 or 520-991-8002. Ready to begin? Apply Here.

The huge number of refinance options available can be overwhelming. Contact us at 520-250-9486 or 520-991-8002 and we can match you with the loan program that is best for you. What do you hope to achieve with your refinance loan? Considering in mind the information below will help you begin your decision process.

Making Your Payments Lower

Are achieving lower mortgage payments and an improved rate your main reasons for refinancing? If so, your best option could be a low fixed-rate loan. An ARM (Adjustable Rate Mortgage) or a fixed mortgage with a high rate are loan programs that you might want to refinance. Even if interest rates rise, a fixed-rate mortgage must stay at the same, low interest rate, unlike an ARM. If you are not expecting to sell your home in the near future (about five years), a fixed-rate mortgage can particularly be a wise option. But if you do plan to move more quickly, you will need to consider an ARM with a low initial rate to get reduced monthly payments.

Getting Out some Cash

Is "cashing out" your primary purpose for your refinance? Your home needs new carpet; your son has been accepted to college and needs tuition; or you have a special family vacation planned. So you will need to find a loan higher than the remaining balance of your existing mortgage loan.So you need You might not increase your monthly payemnt, though, if you have had your current mortgage for a number of years, and/or your loan interest rate is high.

Consolidating Your Debt

Do you want to cash out some home equity to consolidate additional debt? Good idea! If you have the equity in your home to make it work, paying off other debt with higher interest than the rate on your mortgage (like car loans, credit cards, student loans, or home equity loans) means you can possible save hundreds of dollars a month.

Paying it off Sooner

Are you planning to fatten your home equity faster, and pay off your mortgage more quickly? If this is your hope, your refinance loan can switch you to a mortgage loan program with a shorter term, for example: a 15 year loan. You will be paying less interest and growing your home equity more quickly, although your mortgage payments will usually be higher than you were paying. However, if you have had your current 30 year loan for a long time and the loan balance is rather low, you could be able to do this without raising your monthly payment — you might even be able to save! To help you understand your options and the many benefits of refinancing, please contact us at 520-250-9486 or 520-991-8002. We are here for you.

Want to know more about refinancing your home? Give us a call at 520-250-9486 or 520-991-8002.