Refinance Mortgage Loan

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Rick Scherer

NMLS #102054

352-446-9422

Refinance Mortgage Loans

Looking to Refinance?

We offer a range of refinancing programs including Cash Out, Rate-Term, Strealines and more!

Cash Out!
Rate-Term!
Debt Consolidation!
FHA Streamline!
VA Intrest Rate Reduction Refinance Loan (IRRRL)!

Benefits of Refinancing

Refinancing your mortgage has several potential benefits like reducing your interest rate, consolidating debts, get out cash or shorten the term of your mortgage.

There are also programs that allow you to refinance with any income documentation or appraisal. Refinancing also have less closing costs than purchasing a home and the closing costs can be financed.

Rate-Term Refinance

Rate-Term Refinance

If the rates have dropped since your last mortgage loan, refinancing into a lower rate may be a wise decision. Typically, you will want to lower the rate by at least one percentage point.

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FHA Mortgage Loans

Debt Consolidation

One of the most common reasons that clients refinance their home is to consolidate their debts. If you have high interest credit cards and equity in your home, refinancing may be a smart decision to lower your overall monthly payments and save thousands of dollars on interest.

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VA Mortgage Loans

Adjustable to Fixed Rate

If you currently have an adjustable rate mortgage, refinancing into a fixed rate will be a smart decision. Adjustable Rate Mortgages are not meant to be kept long term due to the uncertainty of the mortgage payment.

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Rate-Term Refinance

Reduce the Mortgage's Time Frame

Reduce the Mortgage's Time Frame

Another common reason for clients to refinance is to lower the mortgage term. 30 year mortgages are common but often people want to pay them off earlier. Lower terms of 15 years or less often come with lower rates as well.

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FHA Mortgage Loans

Eliminating Mortgage Insurance (PMI)

One of the most common reasons that clients refinance their home is to consolidate their debts. If you have high interest credit cards and equity in your home, refinancing may be a smart decision to lower your overall monthly payments and save thousands of dollars on interest.

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VA Mortgage Loans

Take a Vacation!

Sometimes you just need a break! Use your home's equity to take out cash to take a vacation. You can also use the cash for home improvements, college, home repairs and more.

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