Should I refinance my existing mortgage?

It all depends on your individual situaution. For some it makes sense and others it doesn't. You may want to lower your interest rate or change terms of your loan. There are many borrowers looking to refinance their adjustable rate mortgage to a fixed rate. Others are consolidating debt by refinancing into a higher mortgage and paying off smaller debt with what remains. Visit our mortgage calculator section to see if refinancing your mortgage makes sense. If you would like to speak with a loan officer complete our contact us section.


How long does it take to refinance?

It normally takes between two and four weeks. There are delays that may occur. The most common delays we have experienced are appraisal delays in scheduling and completion, and borrowers not having the needed documents in order to process their mortgage file.


What costs and/or fees are associated in refinancing my mortgage?

Some lenders may charge an application fee and points, while others may not. There are also standard closing costs associated with mortgage refinancing. Contact a mortgage professional for specific costs.


What documents will I need to start my mortgage application?

(1) Copy of Photo ID
(2) Paystubs for the last 30 days
(3) Last two years W-2s, or,
(3a) Last two years tax returns for self-employed applicants
(4) Last 3 months bank statements
(5) Current mortgage statement
(6) Homeowners Insurance
(7) Flood Insurance if required
(8) Warranty deed
(9) Title insurance policy
(10) Survey


Should I "lock in" my interest rate?

No one can predict what interest rates will do in any year. Historically, rates have risen a lot faster than they have declined. Review your individual situation with a mortgage professional. If you are ready to lock-in your rate today simply contact us today by email or phone us at (877)757-5687. 


Can I eliminate my PMI payments by refinancing my existing mortgage?

By meeting two specific conditions you may be able to qualify in removing your PMI payment. The first condition is, if you have made all monthly mortgage payments on time for the last two years. Second, if you've reached the point of having 20% or more of equity in your property whether by appreciation of value or paying down of your mortgage. 

I'm interested, how do I apply?

Simply give us a call at (877)757-5687 or submit your information online in our Pre-qual section.

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