Refinancing your existing home loan is most often used to lower your current interest rate. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan, or to take cash out to pay other obligations. A few reasons for cashing out include: home improvement, an education fund, and consolidating debt. Taking additional cash out is also known as a home equity loan.


Just imagine what you could do with an extra $100, $300 or more each and every month if you refinance to a lower interest rate.

You might decide to apply the savings toward your balance and build equity faster. Or maybe you just might want to put the money to better use. Why pay more to the mortgage company each month that you need to?

In order to refinance your existing home, or to simply help you decide if refinancing makes sense, just call or click. A quick refinance application tells us what we need to know, and let's us "run the numbers".




A standard refinance will require an application, appraisal, and a verification of your income and assets, as well as most of the same paperwork required when you originally financed your home. Adequate property insurance and new title insurance is necessary.




A streamline refinance is available for many home owners. As the name implies, the process is streamlined, and generally does NOT require an appraisal. This is available for existing VA loans, and FHA Loans.




A HARP refinance is for homeowners with existing Fannie Mae or Freddie Mac loans that were closed prior to June 1, 2009.  Usually no appraisal is required, and you could have lost some value, or be underwater on your loan AND STILL QUALIFY.


Refinance Benefits:
  • Reduce Your Interest Rate
  • Cash Out Equity for Home Improvements
  • Consolidate Debt
  • Lower Monthly Payments

To Refinance You'll Need:


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