It’s like giving yourself a raise.
As the CEO of your home, you can decide when you deserve a little bump. We make it simple. Here, we break it down into three basic steps. Consider it your very short march to financial freedom.
All you can eat shrimp vs Carrara marble countertops.
Different refis can lower your monthly payment, allow you to pay-off your mortgage sooner or use your home’s equity for things like renovations and student loans. It can mean a few extra nights out. Or a whole new kitchen. It’s simply up to you.
Refinancing
Frequently asked questions
- What is a refi and why is everyone always talking about them?Refi is short for refinancing your mortgage and it’s actually pretty awesome. Plus, Our proprietary No Sweat™ Process makes the whole thing totally simple. When you buy your house your loan will have an interest rate. Down the road, interest rates could drop below what you bought your house for. Refinancing your mortgage allows you...
Debunking loan types
You need 20% equity to refinance100% not true.
While loans with less than 20% equity may require mortgage insurance, refinancing could still be a good move for you. Particularly if it saves you money in the long run over the life of the loan.
You don’t know what you don’t know.
Doing a refi is a bit like getting a mortgage. Different lenders offer different advantages. You should talk to several. We offer consistently competitive rates, expert guidance and our No Sweat™ Process makes the whole thing as simple as possible.
Refinancing
Frequently asked questions
- Lower your payment.When you refinance your mortgage at a lower interest rate, usually your monthly mortgage payment will go down. It’s like giving yourself a little raise.
Debunking loan types
You must reach the “break-even point” on your current loan.
Point Break is an awesome movie. But the break-even point on your mortgage is awesome too. It’s when you’ve recouped your original closing costs. But you don’t need to reach it in order to potentially benefit from a refi. Utah, get me two!
You never count your money, while you’re sitting at the table.
Doing a refi shouldn’t feel like a gamble. We go over all of the costs, fees and terms upfront so there are no surprises at closing. And since we do all the heavy lifting, you can relax. They’ll be time enough for counting, when the dealing’s done.
Refinancing
Frequently asked questions
- Tap into your home’s equity.Once you’ve been in your home for a while, in most cases, your home will be worth more than what you owe on your mortgage. That’s called equity. A refi can allow you to tap into that money and use it however you like.
Debunking loan types
Applications require a lot of documents.
Not true. Applications require a TON of documents. But with our No Sweat™ Process we streamline the paperwork and do all the heavy lifting for you. Plus, if you’ve worked with us in the past, we may just need to ask you a few simple questions.