Services - Refinance your home

Refinancing your home is not always the best solution for you, but we'll help you to analyze if your situation warrants it.

Some things we consider include the time it will take to recapture the costs of the loan as well as the costs of beginning the amortization period all over again. We'll help you understand pricing and the differences in private mortgage insurance (PMI) or mortgage insurance premium (MIP). In some cases, you may want to consider lender paid mortgage insurance (LPMI).

In this market, the appraisal of your home is critically important in determining what product best fits your situation. We work with professional and honest appraisers who give us true value rather than an inflated value that will set you up for failure.

Paying off credit cards with a refinance may seem like a "no-brainer", but it may only make sense if you're willing to make some changes in your lifestyle and budget. Lenders have really tightened up the "cash-out" part of refinancing.

Usually closing costs can be added to your loan so that you bring little or no money to the closing table. Fortunately, with most of the negative amortization and interest-only loans long gone, your choices have become a bit simpler and it is more difficult to stretch beyond a "common-sense" payment. We believe that if the majority of lenders/brokers and borrowers would have used common sense, the housing crisis would be much less severe.

Meeting personally will allow us to get you the facts you need to make an informed decision that best fits your situation.

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