Mortgage Refinance

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As a homeowner, eventually, you'll consider refinancing your  mortgage. Before you decide to refinance, you should confer with an experienced Mortgage Lender. Mortgage pros work hard to stay current on the best refinance mortgage programs. Their objective is to help each of their clients achieve the best combination of interest rate, mortgage terms, and low home loan closing fees for a refinance.  

After conferring with a loan officer, you may find that refinancing your existing mortgage loan isn't the most suitable way to meet your financial goals. In finance, there are often many ways to achieve a goal, and a conversation with a mortgage expert can save you time in locating the homeowner loan that is going to work the best for your unique set of circumstances.

Call experienced loan officer for a free review of your financial situation and objectives. The loan officer should be confident that when you complete your phone interview, you'll be certain you are applying for the best refinance homeowner loan. A loan that will serve your long-term interests and not just the interest of the mortgage originator you're working with.

For most home owners, getting a refinance on their Mortgage is the most important single financial transaction they will ever undertake. It's actually more important than when you first decided to purchase your home! It's not something that most people do every day. In fact, some homeowners may only refinance two or three times in a lifetime.

Nevertheless, differences among mortgage programs for refinancing that appear small can make a huge difference over the life of a typical  mortgage. The hard truth is, refinancing your home into the wrong loan can cost you tens of thousands of dollars or even put you at risk of losing your home to foreclosure.

Whether you are motivated to refinance your home by a desire to lower your interest rate, lower your monthly payment, change your terms, or remove a former spouse from a mortgage, a loan officer will be happy to help. There are excellent refi solutions for all kinds of homeowners from interest only refinances for a newly single professional; to refinancing a Mobile Home on land with a low fixed rate  mortgage; to helping a young family avoid the shock of dramatically higher mortgage payments from an ARM.

Debt Consolidation Refinance

Cash Out Refi, the need to refinance is driven by debt consolidation. It's not uncommon today for borrowers to feel that their credit card debt or other installment debt has taken on a life of its own. Loan oficers know to help you get the most for your hard-earned home equity when it comes to doing a cash out refinance for debt consolidation. Refinancing for debt consolidation can help free up hundreds of dollars a month and in some cases, the mortgage interest may be tax deductible. If you have home equity and need a fresh start a debt consolidation refinance may be the best program for you.

We don't recommend refinancing a first mortgage to every client as a vehicle to consolidate debt or get cash out. Sometimes a prepayment penalty on the first mortgage makes a Second Mortgage or home equity line of credit a better way to access home equity. In other cases, the first mortgage may have a desirable characteristic, such as a below market interest rate, that makes refinancing simply not worthwhile. An experienced loan officer will be happy to help you generate a range of refinance program options and to choose the best from among them. 

Here are just a few of the reasons home owners have expressed for refinancing their homes:

• Lower the interest rate on your present fixed rate mortgage;
• Convert a high risk ARM to a stable 30 year fixed rate mortgage;
• Refinance out of a fully indexed Adjustable Rate Mortgage into a CONVENTIONAL or VA fixed payment
• Refinance to pull cash out for hospital bills, college tuition, home addition or to finance a wedding, honeymoon or exotic vacation;
• Escape a bad credit mortgage program into a more permanent mortgage;
• Improve your cash flow with a refinance to an Interest Only mortgage.

There are hundreds of refinance mortgage loan programs. Here is a partial list of the mortgage programs that may benefit homeowners:

• Fixed rate mortgage refinance with 10 year, 15 year, 20 year, 30 year and 40 year fixed rate terms;
• Interest only mortgage purchase or refi options;
• Debt consolidation refinance programs;
• Jumbo mortgage refinancing programs;
• Bad Credit mortgage programs;
• Second mortgage, home equity loans, and home equity lines of credit options;
• Specialty mortgage products such as no income verification, no ratio, SISA and no doc mortgage programs.  

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