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There are several reasons why people consider refinancing their existing mortgage. Here are a few to consider:
  • Lower your interest rate. That is the obvious and most logical reason as you may be able to save thousands of dollars in interest and lower your monthly payment.

  • Remove PMI (Private Mortgage Insurance). Perhaps home values in your area have climbed and you now have at least 20% equity in your home. If so, refinancing may be able to eliminate the cost of mortgage insurance.

  • Convert an ARM (Adjustable Rate Mortgage) into a Fixed Rate Mortgage. Because ARM rates can increase based on market conditions, refinancing into a fixed rate takes away the concern of your rate rising in the future.

  • Combine two mortgages into one. If you have a primary mortgage and a home equity loan or line of credit, you could potentially save money by combining both with one new mortgage. 

  • Shorten the term of your loan. Perhaps you are in a better financial position than you were when you bought the house, or maybe rates have went down to where refinancing into a shorter term loan will at the very least keep your payments the same, but knock several years off your mortgage.

  • Use your equity as cash. Do you want to remodel, pay college tuition, go on a vacation? Regardless of what you need the money for, you may have the option of grabbing cash out of the equity in your home by refinancing.


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