Home Refinance

Have confidence in your Smart Mortgage Advisor with over 25 years of experience and our BEST DEAL guarantee.  Customer service that meets the highest expectations of every mortgage refinance.

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    Refinance Programs

    Rate and Term Refinance

    Rate and term refinancing is driven primarily by a drop in interest rates.  When rates drop, take advantage of free quotes to see how much you can save.   Thinking about changing your term, we offer fixed and adjustable terms from 3 years to 30 years.  Common fixed rate terms would include our 10, 15, 20 and 30 year mortgage.  Fixed Adjustable Rate Mortgage or ARM terms would include extremely low rates for 3, 5, 7 and 10 years.  Looking for a custom fixed terms from 8 – 30 years, we got you covered.

    Cash Out Refinance

    Homeowners with equity in their home have the option of refinancing with cash out.  Put your cash to good use by paying off debt, investing in a second home or investment property, add to or protect your existing investments.  Use the cash for whatever you see fit.

    Debt Consolidation Refinance

    Debt can add up fast and in most cases would take an eternity to pay off.  Every month households have payments, student loans, high interest credit cards and car payments.  Unfortunately for some the payments are due each month and they create unwanted daily stress.  With a debt consolidation refinance borrowers are paying off these high interest payments with the equity from their home.  This creates one new mortgage payment and eliminates the stress of high interest payments and debt.

    Adjustable Rate Mortgage Refinance (ARM)

    Mortgage rate uncertainty and economic times can be stressful on those with Adjustable Rate Mortgages.   It could be a good time to consider refinancing your ARM into a fixed-rate mortgage, locking in a low rate and securing a set payment over the remaining life of your mortgage.

    Home Equity Line Refinance

    The HELOC or Home Equity Line of Credit has variable mortgage rates.  Homeowners with current equity lines can be vulnerable to rising interest rates and increased payments. Refinance your Home Equity Line into a new 1st Mortgage. Act now and get a lower rate and one new payment.

    Streamline Refinance

    Refinance guidelines say that income, assets and credit are not verified; nor is employment. Appraisals are not required, either.

    This means extremely fast closings!

    VA Interest Rate Reduction Refinance Loan

    IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a “Streamline” or a “VA to VA.” Except when refinancing an existing VA guaranteed adjustable rate mortgage (ARM) to a fixed rate, it must result in a lower interest rate.


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