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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.
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.
Our Latest Reviews
Brian and the rest of the team at Smart Mortgage Centers are great to work with. We had very challenging and unique loan requirements and they were able to help us find an affordable mortgage for our dream home. Read More Google 5 Star Reviews
Chris and I are extremely grateful to you for all of your perseverance and effort that you put forth in enabling us to refinance our home. We would recommend you to anyone we know. Please feel free to use this very grateful recommendation however you see fit. Read Better Business Bureau A Plus Reviews
My husband and I had a hobby of looking at model homes on weekends. We thought we could never afford a new construction home, but couldn’t help but imagine us in one of these beautiful homes. We would get caught up in the moment and apply Read more Google 5 Star Reviews