Refinancing

While the housing market has slowed, the number of homeowners calling to refinance has gone up.  We make the process fast and easy by discussing your goals to make sure refinancing is right for you.  Let our professionals guide you throughout the entire process.  We are dedicated to offering you the very best options available.    

There are many reasons to refinance:

• •    Lower your current interest rate
• •    Get rid of that adjustable rate
• •    Debt Consolidation – payoff credit cards or other high interest loans
• •    Increase your annual tax savings (interest paid on mortgages is tax deductible)
• •    Reduce your monthly expenses
• •    Payoff a Chapter 13 bankruptcy plan
• •    Payoff a debt management plan
• •    Home Improvements
• •    Divorce Settlements
• •    Cash out for any reason (invest, save or spend)

How much can we borrow?

Refinance with cash out up to 85% of your homes current appraised value. Refinance without cash out up to 97.75% of your homes current appraised value.


Qualifications:

• •    All homes must be owner occupied
• •    No investment properties
• •    Home must be on owned land (we currently do not offer programs for homes located in
  
•       a park or on leased land)

• •    Home must be on its own parcel of land and permanent affixed to a foundation
• •    Must be a double-wide, triple-wide or modular

Available Terms: 10, 15, 20, 25, and 30 year fixed; 5/1 and 3/1 ARM

If you have recently applied for a loan and were turned down, let us know why?  Our programs have saved homeowners hundreds and thousands of dollars even when they believed they could never refinance. Call us today or apply online to find out how we can help.  We look forward to hearing from you.