What are the benefits of a refinance? 


                                                   

                                                                                                    


Take Cash Out: 
Tap into your home's equity and take advantage! Get money from your home and use it for anything that you want.

*Make home Improvements to your home and increase the value of your home. 
*Pay off high credit card debt, loans, and even buy a vacation home. 
*This can be a great way to consolidate or pay off your debt, since mortgage interest rates are typically lower than interest rates on other debts.
*Did you know that mortgage interest is tax-deductible while interest on other debts are not.


                                                                            


Lower your monthly payments: 

Lowering your payment means that you will have more money availble and room in your budget for other things. 

*You may be able to refinance with a lower rate. This is one way to lower your payments. If interest rates are lower now then they were when you pruchased your home it is worth it to inquire what your new interest rate may be. New Rate= Lower interest payment on your mortgage and big savings on interest in the long run.
*Do you have mortgage insurance on your home? You can refinance to get rid of it. This monthly fee is there if you put down less then 20% when purchasing your home. You can save hundreds of dollars by refinancing your home to stop paying the monthly mortgage insurance.
* You can change your mortgage term to lower your payment. You can make the term of your mortgage go longer stretching your monthly payment out for more years which will then make your monthly payment smaller.


                                                                                                    

Shorten your loan term:
Did you know that shortening your mortgage term is a great way to save money on interest? You will pay less interest overall. 

*When you shorten your mortgage you get a better interest rate and have less years to pay off your mortgage. 
*Sometimes shortening your loan terms means a higher mortgage payment BUT more of your payment will go to paying off your loan balance and less will go towards interest. 

There are many different refinance options and programs available to you. Contact one of our experts today!
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