As a leading provider of mortgage services with our large network of investors we are able to offer our clients the most competitive rates on the market, unique loan programs, and specialty products. Our commitment to building strong client relationships through expert customer service gives our borrowers the confidence that is necessary during the financial process.
The financing of your home is a huge investment, and we take this very seriously. Our mortgage specialists assist clients throughout the entire process-from pre-approval to closing. We take pride in honesty, integrity, and dedication. Whether you are purchasing your first home or refinancing a current one, we help all types of clients with diverse backgrounds achieve their financial goals.
We even make the bold guarantee that we will offer you the lowest rate on the market. Just give us a try! It's our commitment to convenience and taking the time to listen to our customers.
The financing of your home is a huge investment, and we take this very seriously. Our mortgage specialists assist clients throughout the entire process-from pre-approval to closing. We take pride in honesty, integrity, and dedication. Whether you are purchasing your first home or refinancing a current one, we help all types of clients with diverse backgrounds achieve their financial goals.
We even make the bold guarantee that we will offer you the lowest rate on the market. Just give us a try! It's our commitment to convenience and taking the time to listen to our customers.
Services
Current low interest rates make this a great time to consider refinancing.
Perhaps you want to lower your monthly payment.
Maybe you want to pay off your mortgage sooner.
Or, you may want to tap into your home's equity to pay debts or other expenses.
Whatever your plan, we're here to help make refinancing your mortgage convenient and simple.
Perhaps you want to lower your monthly payment.
Maybe you want to pay off your mortgage sooner.
Or, you may want to tap into your home's equity to pay debts or other expenses.
Whatever your plan, we're here to help make refinancing your mortgage convenient and simple.
A lower monthly mortgage payment can help free-up money you can save, invest or use for other expenses.
When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
Example: The Smiths have 25 years remaining on their 30-year mortgage and their home has appraised for $200,000.
Example: The Smiths have 13 years remaining on their 15-year mortgage and their home has appraised for $200,000.
All applications are subject to underwriting approval.
When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
Example: The Smiths have 25 years remaining on their 30-year mortgage and their home has appraised for $200,000.
Example: The Smiths have 13 years remaining on their 15-year mortgage and their home has appraised for $200,000.
All applications are subject to underwriting approval.
When mortgage rates fall, you can take advantage of the opportunity to refinance to a lower rate.
If you refinance the same loan term (for example, 30-year) at a lower rate, you'll have lower monthly payments.
Be sure to review the total interest paid on the amount you originally borrowed and the refinanced amount to ensure that you are comfortable with this overall expense.
You can take advantage of lower rates and switch to a shorter-term loan, allowing you to pay off your loan sooner.
You may have a higher monthly payment, but your total interest payment will be reduced significantly by switching to a shorter-term mortgage.
If you refinance the same loan term (for example, 30-year) at a lower rate, you'll have lower monthly payments.
Be sure to review the total interest paid on the amount you originally borrowed and the refinanced amount to ensure that you are comfortable with this overall expense.
You can take advantage of lower rates and switch to a shorter-term loan, allowing you to pay off your loan sooner.
You may have a higher monthly payment, but your total interest payment will be reduced significantly by switching to a shorter-term mortgage.
An Adjustable-Rate Mortgage (ARM) can be a good choice if you plan to stay in your home for a short time or if you want more manageable payments upfront.
If you find you'll be living in your home longer, or if your ARM adjusts to a rate that's higher than current conventional mortgage rates, refinancing to a fixed-rate mortgage may make sense.
Example: The Smiths purchased a home for $200,000 with a 5/1 ARM as they originally intended to sell the property before the initial fixed-period ends.
After 3 years, they decided to stay longer and refinanced to a 30-year fixed-rate mortgage.
If you find you'll be living in your home longer, or if your ARM adjusts to a rate that's higher than current conventional mortgage rates, refinancing to a fixed-rate mortgage may make sense.
Example: The Smiths purchased a home for $200,000 with a 5/1 ARM as they originally intended to sell the property before the initial fixed-period ends.
After 3 years, they decided to stay longer and refinanced to a 30-year fixed-rate mortgage.
A cash-out refinance can give you money in your pocket to help make home improvements, consolidate existing debt, buy a new car, pay college tuition or finance other goals.
With this kind of refinancing, you will pay off your current mortgage loan and take out a new mortgage at a higher amount.
You will need to have adequate equity in your home to make this possible.
Example: The Smiths' home is appraised at $175,000 and they have $108,000 and 25 years remaining on a 30-year fixed-rate mortgage.
With this kind of refinancing, you will pay off your current mortgage loan and take out a new mortgage at a higher amount.
You will need to have adequate equity in your home to make this possible.
Example: The Smiths' home is appraised at $175,000 and they have $108,000 and 25 years remaining on a 30-year fixed-rate mortgage.
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