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Shorten My Repayment Period

Shortening the term of your mortgage can help you own your home sooner and save in interest costs. But is it the choice that makes sense for you?

Navigating the Process

Refinancing a mortgage involves many of the same steps you encountered when you purchased your home: gathering and completing necessary information about your income and debt obligations, obtaining an appraisal and preparing for closing. But the first step is evaluating the commitments of a shorter-term loan against your existing financial plans and goals.

Weighing the Pros and Cons

The idea of owning your home sooner has great appeal, but depending on your situation the extra monthly amount could add up to about the same as a car payment. Will the outlay be worth the benefits? What other types of benefits can you expect?

Even though you may get a shorter loan term, it’s not a short-term agreement when you are considering 15 or 20 years. What kind of impact will this decision have on your long-term financial goals? This guide can help you weigh this timely decision.

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