Refinance to swap your old mortgage for a new and better one. 

Interest rates change, so do our needs and finances. 当你第一次获得抵押贷款时，对你有用的东西现在可能不起作用. Refinancing your mortgage allows you to change your interest rate, monthly payment and loan terms to better meet your needs.

在十大可靠彩票平台为你的抵押贷款再融资的好处

无论你是否有十大可靠彩票平台的抵押贷款，还是有其他贷款人的抵押贷款, we have options that can save you money.

Some benefits of mortgage refinancing include:

  • Decrease your monthly payment: 再融资可以通过延长贷款期限和/或降低利率来帮助你降低月供. 如果你的收入状况发生变化，你需要降低抵押贷款的支付，这是一个很好的选择.
  • Decrease the total interest paid on the loan: By shortening your term or decreasing your interest rate, 你可以减少贷款期间支付的总利息. 当利率较低时，如果你从可调利率抵押贷款(ARM)转为固定利率抵押贷款，情况尤其如此.
  • Consolidate other debt: 如果你有房屋净值贷款或房屋净值信用额度，可以选择再融资，并通过将其合并到抵押贷款中来节省资金.
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Mortgage Refinance FAQ

Q: When should I refinance my mortgage?

A: If you are thinking of refinancing your home to save money, 花点时间计算一下，看看它是否真的能让你赚到合适的钱. 考虑一下你打算在家里待多久，以及成交成本和预付罚金等因素的影响.

以下是一些指标，可能是时候考虑再融资了:

  • If it’s early on in your mortgage term. 如果你在你的房子里住了很短的时间，再融资通常是最好的，因为你的付款主要是利息. 随着时间的推移，你会发现本金比利息还多, keeping your original loan may be best.
  • If interest rates are dropping. It may be a good time to refinance if mortgage rates are falling. 要么保持你目前的还款期限，降低你的月供，要么保持你的月供相对相同，缩短你的还款期限, you may reduce your total borrowing costs.
  • If your home’s value increased. If your home has significantly increased in value, 再融资可以让你利用股本的增加. 然后你可以用这些钱来偿还债务或购买大宗商品.

Q: Why should I refinance?

A: If you want to lower your monthly payment, pay off your home sooner, or just save money on interest by lowering your interest rate, you might want to refinance your mortgage:

  • If it’s early on in your mortgage term. 如果你在你的房子里住了很短的时间，再融资通常是最好的，因为你的付款主要是利息. 随着时间的推移，你会发现本金比利息还多, keeping your original loan may be best.
  • If interest rates are dropping. It may be a good time to refinance if mortgage rates are falling. 要么保持你目前的还款期限，降低你的月供，要么保持你的月供相对相同，缩短你的还款期限, you may reduce your total borrowing costs.
  • If your home’s value increased. If your home has significantly increased in value, 再融资可以让你利用股本的增加. 然后你可以用这些钱来偿还债务或购买大宗商品.

Q: How is the APR on a mortgage loan determined?

A: Mortgage loan index rates vary from day to day based on the Prime Rate, which the U.S. Federal Reserve influences. From there, 十大彩票游戏平台通过检查你的信用评分来确定你有资格享受什么样的利率, payment history and employment history. The better your finances, the lower the rate you are offered.

For information about mortgage loan variables, 请十大彩票游戏平台，与十大彩票游戏平台知识渊博的抵押贷款团队成员之一联系，电话800-852-7598, extension 2977.

Mortgage Loan Resources

使用十大可靠彩票平台的有用工具和资源管理您的下一个抵押贷款.

获得抵押贷款，以满足您的需要与十大可靠彩票平台 

有了合适的抵押贷款，你就离实现你的财务目标更近了一步. 让十大可靠彩票平台帮你找到完美的抵押贷款.

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