(1) Lower your monthly mortgage payment.
(2) Consolidate your bills into a low interest loan.
If you've improved your credit rating since you bought your home or last refinanced it, then you could get a lower interest rate through us. If your credit rating is still too low then you could consider an adjustable mortgage. With an adjustable mortgage you'll have a lower monthly payment, and be able to pay off all those credit cards or other bills that are lowering your credit rating. After your credit rating has improved sufficiently, you can refinance to a low fixed rate loan before your rate adjusts.
There are a multitude of reasons for refinancing. E.g., you have to move out of the state. This isn't a good time to sell your home, but you could refinance to a 1% loan and greatly lower your home payments until the market improves in a year or two. You could rent out your home for a lot more then your new mortgage payments, and use the difference to pay for your new home or rental.
If any of the reasons for refinancing that I've touched
on apply to you, or any other reasons you might have, fill out the form below
and then click on the submit button.