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If you own a home, you know about monthly mortgage payments – a sizeable sum with considerable impact on your month-to-month finances. You’re also likely used to balancing this with your other payments, savings and debts. As one of your largest investments, refinancing your home can provide you with many options and benefits.

Refinancing means that you pay off one loan with the proceeds from a new loan using the same property as security. Some people refinance to take advantage of lower interest rates, while others may do so to get money for a home improvement project. Whatever your goal, you’ll want to make sure the home refinance option you choose fits into your larger financial plan and will truly benefit you in the long run.

Understanding your options is the first step to making an informed decision.

Lower My Monthly Payment

Refinancing to have a little extra cash each month – to apply to high-interest debts or save for the long term – is appealing. But how you go about lowering your payment, as well as your unique finanical situation, is important. We can help guide you to the refinance option that works for you.

Shortern My Repayment Period

Is owning your home sooner a worthy tradeoff for higher monthly payments? Does paying off your home loan before other debts make financial sense? Let our team of loan consultants help you weigh some of the pros and cons.

Reduce My Interest Rate

In general, the lower the interest rate the less you will pay on your loan overall. But many factors – your credit score, market conditions and mortgage type – go into determining the interest rate that applies to your home refinance loan. How low can you go? We’ll help you determine if refinancing for a reduced interest rate will work for you.

Change My Loan Options

At any given time, a variety of refinancing options may be available for your home – from loans that consolidate debt to those that stabilize your interest rate. How do you know if one will work better than your current mortgage loan? We have the tools and resources to help you evaluate.

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