Choosing a Refinancing Option

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Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook.

Is your refinance primarily to lower your rate and monthly payments? If so, getting a low, fixed-rate loan might be a wise choice for you.

Maybe you are presently in a mortgage with a high, fixed interest rate, or a mortgage loan in which the rate of interest varies as an adjustable rate mortgage (ARM).  Different than the ARM, a low fixed-rate mortgage stays at a certain low rate for the term of your loan, even when interest rates rise. A fixed-rate mortgage is especially a wise choice if you don't think you'll be moving within the next 5 years or so. However, if you do see yourself moving in the near future, an ARM mortgage with a low initial rate might be the best way to lower your monthly payment.


Shorten your loan's term to save even more money

Combine a first and second lien to a single loan for simplicity and savings.

You may be able to tap into your home's equity with a cash-out refinance and use the cash to fund home improvements, college tuition or other major expenses.


Want to know more about refinancing your home?

Give Cynthia Bigham a call: (901) 240-0758