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Mortgage Refinancing

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   Mortgage Refinancing

The first thing that you should think about is should you even refinance at all!  I know that this may be a bit strange coming from a lender but I am suprised at how often my clients don't give refinancing enough thought.

If you are looking to reduce your interest rate by 0.25% the you are likely wasing your time and money.  I am not going to assume that everyone refinances for the same reason but here are a few things you should consider:

• How long do you intend to stay in your home or own the investmet property?
• What is the purpose of the refinance?  (Cash out, lower rate, bankruptcy or foreclosure bailout, etc)
• How much is the home worth and what do you owe?  (It can be dangerous to be over-leveraged on a house)

This isn't a complete list but make sure you have a good general idea of those things before you talk to us or any other lender.  Okay, getting off of my soapbox. . .

Now on to the types of loans we can do:

• Bad Credit Mortgage Refinances- We can do loans for people even with credit scores under 500!
• Foreclosure Bailouts - If you lender won't work with you anymore your only options are to either sell the house or refinance the loan!
• Bankruptcy Bailouts- If you are in the middle of a Chapter 13 and you are getting sick of being treated like crap by the trustees and your creditors, this could be a good option.
• Cash Out Refinances - Need money for home improvements, for a vacation, or whatever we can help.
• Home Equity Loans and Home Equity Lines of Credit - Do you have good terms on your 1st mortgage?  Then DON'T TOUCH IT!  Get and equity loan instead, even in Texas!
• Investment property Refinance- Get cash out, drop the payments to maximize cash flow, you name it!  You can even get a line of credit in some situations.
• . . .and many, many more scenarios.

If you already know what you are looking for, click on the guarantee below to apply online even if it's 3 in the !

 

I know you have many choices out there so we take it seriously when you inquire about getting a loan.  I don't like to waste time, yours and mine, if we do not have a viable solution for you. 

You don't know me or any of my loan officers yet but you will find that we are you!  So go ahead and give us a try!  Fill out an application online and a qualified loan officer will make sure that you get what you are looking for. . .straight answers.

 

P.S.- If you are unsure of whether or not you should refinance, we can help you look at the numbers to see if it makes sense!