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Florida Mortgage Refinance Information

Low cost ways to a lower mortgage payment

The Florida Mortgage Refinance Information Center is designed to save you money on your Florida mortgage. I have extensive experience with Florida mortgage refinance and can reduce the paperwork and cost when refinancing your Florida mortgage. Email for more Florida Mortgage Refinance Information

Before you make any decision on a Florida mortgage refinance, a Florida Mortgage Refinance Information Certified Mortgage Planning Specialist can do a detailed side by side comparison so you know you are making the right choice based on your specific circumstances. I now offer a free Total Cost Analysis which can give you the information you need to make an informed decision about your Florida mortgage refinance.

Why consider a Florida mortgage refinance?

1) Lower your monthly payment by reducing your interest rate or converting to an Interest Only Mortgage.

2) Debt consolidation is often the primary reason many of my clients refinance their mortgage. Make sure any debt you are carrying is "tax advantaged" rather than consumer debt. I can show you the right way to structure your individual debt situation.

3) Pay off your mortgage early by reducing your term from 30 years to 20 or even 15 year terms to time the mortgage payoff with retirement.

4) Take cash out for any purpose including debt consolidation or investments. As a real estate investor myself, I have helped hundreds of my clients build their real estate portfolio and the initial down payment often comes from a mortgage refinance.

5) Reduce interest rate risk by converting from an adjustable to a fixed rate loan. Or, see how converting from a fixed rate to and adjustable tied to the period of time you plan to be in the home can substantially improve your cash flow.

I also offer No Documentation Loans for individuals with non traditional asset, employment, or income situations.

Find out more about Streamline Refinancing for your FHA, VA or Conventional loan.

More about eliminating PMI when refinancing.

Calculate your "Payback Period"  to verify refinancing makes sense in your specific situation.

I offer zero point mortgage refinance loans with no origination fees to save you money. I am always happy to create a Good Faith Estimate before you apply or have your credit .

I have helped many clients release equity from their Florida home or investment property. One key to a secure financial future is keeping your assets working for you. Releasing equity by refinancing to make additional investments creates additional cash flow and asset growth. Working with your financial planner, I can help you see how releasing the equity in your home, with the proceeds invested for safety and liquidity can substantially improve your overall financial position. I can help you understand the tax implications of any mortgage refinance strategy. Call or email me to discuss the specifics of your mortgage refinance goals.

If you already have an excellent rate on your first mortgage, I have extensive information available on home equity loans and a home equity line of credit as well

I have included a section on the new Cash Flow ARMS. A LIBOR or MTA based product which gives you complete flexibility in managing your mortgage.

If you have had credit issues in the past, it is absolutely critical in today's market that they be addressed before you try to get a mortgage. I have referred my clients to CreditFX for the past 5 years. Exceptional customer service and I am often stunned at what they have been able to have removed from people's reports, allowing my clients to qualify. Their charge of $199 is one of life's true bargains.

Learn more about Loan Modification. If you can not refinance, it may be the best way to save your home today.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

 

Florida Mortgage Refinance InformationPrequalify for your Florida Mortgage Refinance.

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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.