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1.  Lower your Interest Rate

While rates have risen in the past month, the truth is they are still historically low.  Securing a lower interest rate still remains one of the top reasons for refinancing. This can make a big difference in your monthly out-of-pocket costs for housing.

2.  Build Equity Faster

If you are in a position to make higher monthly payments due to an increase in salary or other good fortune, you may
want to switch from a 30-year loan program into a 15- or 20-year loan structure. This enables you to build equity faster
and save a tremendous amount of money on financing fees.

3.  Change your Loan Program

Some homeowners who start out in an Adjustable Rate Mortgage (ARM) find that they would like to switch to the
stability of a Fixed Rate mortgage at some point. An ARM may have been the most attractive rate and loan package
when you first financed your home, but we can provide you with loan comparison charts to find out if you can save
money with another type of loan program that might work better for you right now.

4.  Your Credit Score has Improved

If your credit score has improved as a result of making your mortgage payments on time and in full, you may be in a
position to take advantage of your improved credit standing. We can review your current credit score, the term of your
existing mortgage, and review options for other loan programs that could not only reduce your monthly payment, but
also save you money on interest fees paid over the life of the loan.

5.  Use the Equity You Have Established

A cash-out refinance allows you to tap into the equity you have build up in your home. You may want to pay off
revolving credit card accounts, send a child to college, or use the money for home improvements or personal expenses.

Call us today to take advantage of our fast and easy refi options.


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