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Refinance for a Better Rate/Term

Lowering your rate by 0.25%, saves you $14 a month!

Okay... that doesn't seem like much. But that was on this loan below. Why don't you give it a try?
$14.00 per month or $48.00 per year
(That's $1,440 over all 30 years!!!)

You got it. That was on a $100,000 loan.

(Every $100,000, saves you roughly $14. On a $400,000 loan - $56 a month or $675 a year. Over the life of the loan, you'd save over $20,000 in total interest paid! Why pay more interest if you can qualify for less?)

When Should You Refinance?

Your Finances Have Changed

With a higher credit score, you might qualify for a lower interest rate just from lowering your risk profile

You've Paid Down Your Current Loan

For every 5% your loan-to-value ratio decreases, you may just qualify for a lower interest rate

Your Property Value has Increased

Just like paying down your loan, if your property is worth more now, your loan-to-value ratio decreases

Interest Rates have Gone Down

It could just be the market. Interest rates are affected by any number of factors, so it's important to keep in touch with a loan officer

Why would I take cash out?
Life Events

Maybe there's a big life event, like a newborn on the way


Do you have kids going to college or other large expenses coming up?

Consolidate Debts

Consolidate your debts - especially those high-interest credit cards!


Diversify your investments, leverage your assets for additional returns