Refinancing your Mortgage

Thinking of refinancing your mortgage? One of the most important and helpful services I can offer you is a referral to a competent and skilled mortgage lender.  You may not be in the market to buy a home now (although it's an amazing time to buy with 30-year fixed mortgages averaging 4% and 15-year mortgages at an even lower average) in which case I hope you've taken this economic opportunity to refinance your current mortgage. If you haven't refinanced recently, I invite you to call me for a referral.   

Some applications:

• Many people who refinance are switching from a 30-year loan to a 15-year loan, keeping their monthly payments the same, but paying off the mortgage in less time.  
• Of course, if you simply refinance a 30-year loan at a new, lower rate, you are in control of prepayment but with more flexibility in case of emergencies. 
• If you've been faced with interrupted income due to unemployment or illness, there are even loan modification programs to change the terms of your loan. 
• If you have negative equity, or are, colloquially, underwater, there may still be opportunities to modify your loan.

Smooth seas do not make skillful sailors. Mortgage loan officers closing deals today, particularly those I've had the pleasure of working with, are able to navigate today's complex markets and challenging economy.  And by the way, your personal finances are confidential between you and the loan officer. Call me for a referral if you're looking to purchase or refinance.