I WANT TO REDUCE MY INTEREST RATE

Reducing your mortgage rate can save you thousands of dollars over the life of your loan. However, it’s wise to consider the cost associated with a refinance to determine if the rate is low enough to benefit you. Use our refinance tool to see if this is a good option for you, or contact us to let us walk you through the process.

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I WANT TO SHORTEN MY LOAN TERM

With lower rates, you may be able to move from a 30-year mortgage to a shorter term and experience only a slight increase in your payment. Let us help you determine if this makes sense for you, or if you can accomplish the same goal with your current mortgage.

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I WANT TO LOWER MY FHA MORTGAGE RATE

The Federal Housing Administration (FHA) offers options to lower loan rates, including a “Streamline” refinance. This will allow you to lower your rate and minimize closing costs on a new FHA loan. No changes can be made to the ownership of the property.

STREAMLINE LOAN FEATURES

  • No appraisal required for many FHA loans
  • Limited underwriting and credit review

FHA REFINANCE LOAN FEATURES

  • Loan-to-value of up to 96.5%

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I WANT TO REDUCE MY VA MORTGAGE RATE

Veteran Affairs (VA) loans provide financing for qualified veterans, reservists or active duty personnel. You typically have to pay a one-time VA funding fee that can be financed into the loan amount. Your current VA loan may qualify for an Interest Rate Reduction Loan (IRRL). This will allow you to lower your rate and minimize closing costs on a new VA loan. No changes can be made to the ownership of the property.

LOAN FEATURES OF AN IRRL

  • No appraisal required for many VA loans
  • Limited underwriting and credit review

LOAN FEATURES OF VA REFINANCE

  • Loan-to-value of up to 100%
  • Allows closing costs to come from a gift

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I WOULD LIKE TO REFINANCE A LOAN LARGER THAN $417,000

For loans ranging between $417,001 and $2.5 million, we offer options to help you take advantage of the best loan terms available. Contact us today for more information.

LOAN FEATURES

  • Loan amounts up to $2.5 million
  • Loans available for occupied primary residences, second homes and investment properties
  • Loans available to 90% loan-to-value
  • Combined loan-to-value up to 95%

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I'M INTERESTED IN GETTING CASH OUT OF MY PROPERTY

You may have equity in your home that you would like to use for investments, home improvement or other purposes. We may be able to help with a “Cash-out Refinance” — which is just a new mortgage loan that pays off your old loan and gives you cash at closing.

LOAN FEATURES

  • Cash out available to 80% loan-to-value on conventional loans
  • Cash out available to 85% loan-to-value on FHA loans
  • Cash out available to 100% loan-to-value on certain Veteran Affairs loans
  • Recently listed properties may qualify
  • Maximum loan amount of $417,000 for conventional loans and VA loans; lower loan limits apply to FHA

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I WANT ZERO CLOSING COSTS

Regardless of the type of loan you choose, we may be able to offer a zero closing cost option.

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I WOULD LIKE TO SWITCH FROM A VARIABLE TO A FIXED RATE LOAN

For homeowners planning to stay in their current home for a long period of time, switching to a fixed rate mortgage might be a good choice. A fixed rate provides the assurance of a locked-in rate and predictable payments for the term of your loan.

Fixed rate mortgages offer the confidence of knowing your rate and payment will not change for the term of your loan.

LOAN FEATURES

  • Up to 95% financing for conventional loans
  • Cash-out available to 80%
  • Recently listed properties may qualify

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