We will quickly contact you and let you know what you are
qualified for BEFORE you start your house-hunting. We want
to make sure you are comfortable with the monthly payment and
know the Sales Price at the beginning!
Purchase or Refinance?
We will provide the best loan options based on your future
plans.
Refinancing your mortgage
can provide real benefits.
When to consider
refinancing:
•
Financial situation has
changed: If your financial situation has
changed significantly, you may be able to
match the terms of your mortgage financing
more closely with your new financial
situation
•
Condense your two home
loans into one mortgage payment
•
Rates have/are threatening
to increase: If rates have increased, or you
are worried they might and you have an
adjustable rate mortgage, you may consider
refinancing to lock-in a rate
•
Risk profile has changed:
If your tolerance for risk has changed, you
may be able to increase your flexibility, or
lower your risk
Refinancing is an important personal
financial management decision. We encourage you
to talk with a Mortgage
Consultant to help you determine what's best
for you.
Some of the most popular
benefits of refinancing
•
Lower your monthly mortgage
payment
•
Reduce the term of the
mortgage
•
Switch from an Adjustable
Rate Mortgage (ARM) to a fixed rate loan
•
"Cash Out" tax-deductible
savings
•
Eliminate Mortgage
Insurance (MI)
•
Copy of Deed
•
Current pay stubs for the
past thirty days
•
Most Recent Year W2
•
Two months current bank
statements for checking and savings accounts
•
Last quarterly statements
for all retirement and mutual fund accounts
One way to speed things up would be to make
sure your paperwork is complete when submitting
your application. The entire process can be done
in as little as 2 weeks, and with your help we
can expedite the process and get you to the
closing.
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