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After making payments on a mortgage for long enough, most homeowners are eligible to refinance their mortgages. Refinancing helps home owners by reducing their interest rates and thus their monthly payments. Furthermore, choosing the right refinancing plan can allow you to save money in the long run... while choosing the wrong refinancing plan can cost you. Furthermore, since the Home Affordable Refinance Program passed in March 2009, more homeowners than ever qualify for refinancing. However, understanding the complex requirements of this and other refinance programs can be daunting.
Our team of mortgage refinance specialists are well versed on the laws surrounding mortgage refinancing and how these laws impact your ability to secure a refinance. We look at various factors including your credit history, your payment history, current interest rate, current premium, and more to find a refinance option that works best for you. We will also advise you if refinancing would end up costing you more in the long run. A 30-year refinance may appear attractive with its lower monthly payments, but you could end up paying as much as $50,000 more in the long run than you would with a shorter term.
By contacting us, you can be sure that you will have a legal team on your side to make sure you receive a refinance that is fair and ultimately advantageous to you. We will work to secure loan terms that fit your needs and advise you on the best course of action based on those needs. We can even negotiate on your behalf to help get the mortgage rates down. You can count on us.
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