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Refinance and save money when you need it the most

Refinance and save money when you need it the most

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Cash out
Use the cash to pay off your debts, make home improvements, or other expenses.
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Lower your payment
Refinance and stop paying mortgage insurance or choose to pay a lower interest rate.
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Shorten the term
Pay off your mortgage sooner by shortening the term of your loan.
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Save half a point or more on your interest rate and enjoy zero lender fees

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Refinancing helps you cross things off your worry list

  • Debt Consolidation
  • Lower Monthly Payments
  • Lower Interest Rate
  • Pay Off Loan Faster
  • Access Your Equity
  • Renovate
  • Eliminate Private Mortgage Insurance
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Frequently asked questions

Find simple and straightforward answers.
  • What does refinancing do?

    Refinancing is the process of taking out a new loan to pay off an existing loan. The most common reason for refinancing is to obtain a lower interest rate on the new loan, which can result in lower monthly mortgage payments. By refinancing, you may also be able to change the terms of your loan, such as the length of the loan or the type of loan. This can help you save money over the life of the loan.

    Another reason homeowners refinance is to access the equity they’ve built up in their home. This can be done through a cash-out refinance, which allows homeowners to take out a larger loan than the amount they owe on their current mortgage. The difference between the new loan amount and the amount they owe on their current mortgage is paid to the homeowner in cash. This cash can be used for a variety of expenses such as home improvements, paying off credit card debt, or paying for college tuition.

  • When is a good time to refinance?

    It’s also a good idea to refinance when your credit score has improved since you took out your original mortgage. A better credit score can help you qualify for a lower interest rate and better loan terms.

    Additionally, it is also a good time to refinance when you have built up equity in your home. This can be done through a cash-out refinance, which allows homeowners to take out a larger loan than the amount they owe on their current mortgage and use the cash for other expenses.

    A good time to refinance is also when interest rates are lower than the rate you are currently paying on your mortgage. This can result in lower monthly mortgage payments and can save you money over the life of the loan.

    It is important to evaluate your personal financial situation and goals before deciding to refinance.

  • Is refinance worth if even if rates are high?

    Refinancing may still be worth it even if interest rates are high, depending on your personal financial situation and goals.

    For example, if you have a high credit score and a stable income, you may still be able to qualify for a lower interest rate than your current mortgage rate. This can result in lower monthly mortgage payments and can save you money over the life of the loan.

    Additionally, if you have built up equity in your home and have other high-interest debt such as credit card debt, a cash-out refinance may be a good option to consolidate your debt and lower your overall interest costs.

    It’s also important to consider the terms of your current mortgage. If you’re currently in an adjustable rate mortgage (ARM) and rates are high, it may be a good idea to refinance into a fixed-rate mortgage to secure a predictable and stable rate for the life of the loan.

  • What is a “No Cost” refinance?

    A “no cost” refinance is a type of loan where the lender covers the closing costs associated with the loan, such as appraisal fees and title insurance. This means that the borrower does not have to pay these costs out of pocket. The lender will usually charge a higher interest rate on the loan to make up for the costs they are covering.

  • Does refinancing hurt my credit?

    Refinancing a mortgage can have an impact on your credit score, but it doesn’t necessarily have to be negative.

    When you apply for a refinance, the lender will typically pull your credit report and credit score. This can result in a hard inquiry on your credit report, which can temporarily lower your credit score. However, the impact on your credit score is usually small and will likely only be temporary.

    When you refinance, you may also be extending the length of your loan, which could result in paying more interest over the life of the loan.

    If you have a good credit score, stable income, and a good payment history on your current mortgage, it is likely that the benefits of refinancing will outweigh the temporary impact on your credit score.

    It’s important to keep in mind that paying your new mortgage on time can have a positive impact on your credit score over time, as it will demonstrate a good payment history.

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