Are you looking to improve your cash flow, take cash out or consolidate your debt? An experienced mortgage professional will take the time to find the right loan solution to fit your needs, and your budget. Lenders have a wide variety of programs to chose from that can be tailored to your unique situation. As a homeowner you have the option of refinancing your mortgage.  This is where your investment can really go to work for you.  Find out if now is the right time to refinance! You may be able to lower your monthly payments or reduce the time it takes to pay off your loan.  You may also be able to save even more if you use your refinance proceeds to pay off credit card or other installment debt, since mortgage interest is usually 100% tax-deductible, and interest on consumer debt is not.

Here are some important reasons to consider refinancing:

• Get a lower mortgage rate and reduce interest costs
• Convert an adjustable rate mortgage to a secure, fixed-rate mortgage
• Consolidate your first and second mortgages into a mortgage with a lower rate
• Get cash for family wants and needs
• Pay off high interest debts
• Purchase property or other investments
• Make major home improvements
• Cover unforeseen family needs or emergencies
• Set up a retirement account or put money aside for “a rainy day”
• Pay college tuition

The advantages of refinancing include:

• Low rates
• Quick & easy application
• Broad range of traditional and innovative mortgage programs
• Guidance and advice from an experienced and knowledgeable mortgage professional

The process of refinancing your mortgage begins with completing a loan application. Your Loan Officer will then order the type of appraisal required for your loan. The new loan amount will be based on the current value of the property and whether you wish to cash out some or all of the equity you have accrued.

Home Equity

Do you need extra cash for a home improvement project, consolidate debit, or take a vacation? A home equity loan or line of credit may be what you are looking for.  Call us today to find out more.

Reverse Mortgages

Many elderly homeowners become interested in reverse mortgages so they can stay in their own homes.  Is a reverse right for you or your loved one?  Call dedicated reverse mortgage specialist to compare all your options and get answers to any questions you may have. Find out if now is the right time for you to refinance your current mortgage to lower your monthly payments, pay of your mortgage faster, take cash out, or combine your first and second mortgage.

These mortgage solutions can help make your financial dreams come true!