When to Refinance

Weighing the Options of Refinancing

As with any important financial matters, please consult your tax advisor or financial planner and appropriate government agencies for any effect on taxes or other government benefits before making any decisions about purchasing or refinancing a home.

Advantages

You are able to reduce your interest rate and lower your monthly mortgage payment, perhaps considerably.
You may have the ability to use some of the extra equity you've built up in your home to pay off higher interest debt or make home improvements.
You may also be able to refinance to a shorter term mortgage program, which will allow you to add to your equity quicker.

Expenses & Fees

There are several fees involved with your refinance. Fees include:

an appraisal
underwriting fees
lender title insurance
settlement costs
lender processing charges.

**Please meet with a licensed loan originator for more information. Rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines, and are subject to change without notice.**

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