Refinancing

Refinancing is the best way to lower your monthly mortgage payment.

If rates have dropped since you last financed your home, refinancing can help free up funds for other expenditures.

Refinancing is also used for paying off balloon payments, converting an adjustable rate loan to a fixed rate loan or to use the equity in your home for a cash-out. Cash-out refinances can go toward home improvement, debt consolidation, or investment vehicles.