Interest rates are currently very low so it might be a good time to consider refinancing. There are many reasons to refinance and my team and I can handle any scenario you may have.

Rate & Term Refinance: If you need to refinance to get a better interest rate I can get you the lowest rates available. It is a great time to refinance into a low fixed rate if you are currently in an adjustable rate mortgage. Don’t let your ARM sneak up on you and adjust. Many times, the new payment is hundreds of dollars higher than your current one.

Cash-out Refinance: If you need to pay off bills or need cash for home improvements, college tuition, or anything else, we can do a cash-out refinance up to 95% of the value of the home.

Short-pay Refinance: There is no question that home values have plummeted over the last few years. In many cases you’ll find that you could purchase a home down the street for considerably less than you owe on your own home. And for too many of our hard-working friends and family, they simply can’t afford the home that they love because, due to the economy, hanging on to make those payments is simply too hard. The solution could be a Short Refinance.

In the Short Refinance process, we can assist you in negotiating with your lender to reduce the principal balance of your loan, or the amount they will accept to pay off your loan. The remaining balance is forgiven. In one instance one of our borrowers reduced their loan balance by $140,000.00. In the end, not only was his principle balance reduced, his monthly payment was reduced, and the homeowner was able to keep his home.