Home Refinance Information Center

Low cost ways to a lower mortgage payment

The Home Refinance Center is designed to save you money. I have extensive experience with home refinance and have reduced the paperwork and cost when refinancing. Compare lenders by getting a written Good Faith Estimate of Closing Costs comparing fees and rates before you apply! I offer zero point mortgage refinance loans with no origination fees and "no cost home refinance" programs to save money.

Why consider a home refinance?

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

2) Debt consolidation home refinance is often the primary reason many of my clients refinance their home mortgage loan. Make sure any debt you are carrying is "tax advantaged" mortgage debt 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 an active 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 home mortgage loan refinance.

5) Reduce interest rate risk in a rising rate market by converting your mortgage 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 Home Refinance for individuals with non traditional asset, employment, or income situations.

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

I am always happy to create a Good Faith Estimate before you apply or have your credit pulled.

I offer zero point mortgage refinance loans with no origination fees to save you money.

I have helped many clients release equity from their 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.

Learn more about home refinance closing costs.

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 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