Refinancing

Perfect time to refinance is right now!

Rate and term is one of the many options to choose from where you can save on your monthly payments by getting a lower rate or term on your existing mortgage.

If you need some extra money in your pocket, or you want to do some home remodeling this might be a great solution without having to worry about getting additional loans. Cash out refinancing allows you to get the money that you need and still have one loan and one  monthly payment.

Sometimes bills and payments pile up and keeping up all the monthly payments can be a struggle. With debt consolidation refinancing you can pay off your debt, like student loans, car payments, credit cards... and just have one monthly payment and be worry free.

An adjustable-rate mortgage (ARM) is a loan with an interest rate that can change periodically, which means your monthly payment can go up and down. The fixed loan gives you the same monthly payment through out the life of the loan so you know what it is at all times and you can plan for it. 

Another option to refinance is to reduce the years left on the mortgage. A lot of the time people are able to refinance a 30 year loan into 20 or 15 year loan and save a lot of money in the long run and most of the time the monthly payment is not that much higher.