Which Refinancing Program is Best for You?

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The huge number of refinance options available to borrowers is truly breathtaking. We can guide you to select the refinance program that will fit your situation the best. Contact us at 407-647-4440 to begin the process. What do you hope to achieve with your refinance loan? Considering in mind the information below will help you narrow your choices.

Reducing Your Monthly Payments

Are your refinance goals to lower your rate and consequently your mortgage payments? Then a low, fixed rate loan may be your best option. An ARM (Adjustable Rate Mortgage) or a high fixed rate mortgage are loans that you might want to refinance. Even when interest rates rise, a fixed rate mortgage loan must stay at the same, low interest rate, unlike an ARM. If you are expecting to live in your home for about five more years, a fixed rate loan may be an especially good fit for you. However, an ARM with a low initial payment may be a better way to reduce your monthly payments if you expect to move in the next few years.

Refinancing to Cash Out

Are you wanting to take cash out of your home equity? Maybe you're remodeling your kitchen, bath or just want to update your home from the eighties. Or, have college tuition demands on your students horizon. Your reasons are your own. And, at today's historically low interest rates, you may even be able to accomplish your goals with little if any increase in your current payment. Choose a zero closing cost option to take full advantage of every opportunity to save. Tell us what you  want and let us work up our most cost effective quote for you right now! 

Consolidating Your Debt

Have your monthly payments grown over time? You should know you have been building home equity rapidly in recent years. Why not put it to work by rolling those current payments into one easy to manage monthly increase in your mortgage payment.

Building Your Equity Faster

Do you plan to build up equity more quickly, and have your mortgage paid off faster? Then, you'll want to look into refinancing to a short term mortgage - such as a fifteen-year loan. Even though your mortgage payment amount will usually be more, you can save on interest; so your home equity will build up faster. On the other hand, if your existing long-term mortgage loan has a small balance remaining, and was closed a number of years ago, you may be able to make the change without paying more each month. To help you understand your options and the multiple benefits in refinancing, please call us at 407-647-4440. We would love to help you reach your goals!

Curious about refinancing your home? Call us: 407-647-4440.

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