If you're paying more than .75% higher than today's rates, you should talk with us about a "rate/term" refinance. We'll look carefully at the costs, the savings, and how long it takes to recoup those costs. With constant changes to "conforming" loan limits and other qualifying guidelines, not to mention rates and availability of programs, we will be your trusted resource to create the perfect solution.

Even if your rate is good for now, you can take advantage of our RateWatch system. It will automatically notify us (and you) if a target interest rate is reached. Contact us for details.

If you have ANY non-mortgage debt you're unable to pay off over the next 6-12 months, it's wise to talk with us about using a refinance to consolidate accounts, improve your cash flow, and simplify your life. We never promote an unhealthy refinance, and many consolidation refi's are just that. We absolutely promise to advise you on how to make your refinance part of a permanent and beneficial financial plan.

Sometimes a refinance can fund your home improvements, but other times a line of credit or a construction/remodel loan is best. "Which is the best plan?" is an extremely complex question. The answer will depend on current property value, loan balance(s), your income and debt situation, and how long you plan to hold the home.

We urge you to contact us right away to begin clearing the air and narrowing in on the best solution.