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Mortgage Refinancing

Low cost ways to a lower mortgage payment

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

Before you make any decision on a mortgage, a Mortgage Refinancing 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.

Why consider mortgage refinancing?

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

2) Debt consolidation mortgage refinancing 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 mortgage refinancing.

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 Mortgage Refinancing Loans for individuals with non traditional asset, employment, or income situations.

Find out more about Streamline Mortgage Refinancing for your FHA, VA or Conventional mortgage refinancing.

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

Learn more about mortgage refinancing closing costs.

 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 refinancing 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 Mortgage Refinancing ARMS. A LIBOR or MTA based product which gives you complete flexibility in managing your mortgage.

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 and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

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