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Maryland Mortgage Refinance Information

Low cost ways to a lower mortgage payment

The Mortgage Refinance Information Center is designed to save you money on your Maryland mortgage. I have extensive experience with mortgage refinancing and can reduce the paperwork and cost when refinancing. I offer zero point mortgage refinance loans with no origination fees to save you money.

Before you make any decision on a mortgage, a Maryland Mortgage Refinance 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.

Why consider refinancing your Maryland mortgage?

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

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 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 Maryland 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.

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.

New! View my Wealthbuilder presentation and learn the safe way to manage your home equity and fund your retirement.

I hope this information was useful to you. Please scroll down to view my Mortgage Market Guide. A weekly publication explaining the financial markets from a consumer's perspective that is available by email. I have nearly 8,000 subscribers and would be happy to have you as well.

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