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Refinancing replaces your existing loan with another lower interest rate loan for the same amount. This can save you tons of money when market interest rates drop 1 or more percentage points lower than your present rate. Refinancing can be used to reduce your interest rate, change the term of your loan, or to consolidate your debts.

Refinance to Consolidate Debts:

With equity in your home, refinancing is the smartest way to consolidate your debts. Some loans use your home as collateral. Refinancing, on the other hand does not. You can just throw your debts into the amount owed when you refinance. One monthly payment; one low interest rate. Refinancing is the best route to take because the interest rates are lower than any of your other consolidating options. If you have lot's of equity and good to excellent credit, then this is your best option.

Change your Adjustable to a Fixed rate:

Rates are at their lowest right now. Changing your adjustable rate to a fixed rate is a smart idea. Refinancing is the best way to do this. Don't be caught in the tail spin when rates go up- let an agent help you today!


Valuable Resources

Loan Payment Calculators
Glossary of Loan Terms
Consolidating Your Debt

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