Refinancing Questions?
Contact us to get the best offer from our mortgage loan officers. Get started by completing the form below.
WHAT PEOPLE ARE SAYING
Home Access Financial was fantastic to work with. They were able to quickly identify our needs and what type of loan made sense for us. I never enjoy the loan process and they made it so much easier. Not only that but through [their teams] attention to detail it was completed very quickly!
- Evan from Zillow
Mortgage Refinancing Assistance
As a homeowner, you may be able to take advantage of lowering your monthly mortgage payment, reducing your overall interest, or getting cash through refinancing.
We offer a variety of refinancing options and can help advise on which refinance program may work best for you. Whether you want to reduce your interest rate and therefore lower your monthly payment, or you'd like to shorten your loan term to help pay off more of your principal and reduce interest, we can likely help you achieve your goal.
How Does Refinancing a Mortgage Work?
The mortgage refinancing process is similar to when you first applied for your current mortgage but often less complicated than your original home buying process. When you refinance your mortgage, you replace your current mortgage with a new loan. The new loan might have different terms - moving from a 30-year to a 15-year term or an adjustable rate to a fixed rate, but the most common mortgage refinancing change is usually a lower interest rate. One of our qualified mortgage loan officers will review your finances to assess your level of risk and determine your eligibility for the most favorable interest rate or any similar changes that could benefit you more than your current mortgage does.
Why Refinance With Us?
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Lock in a lower interest rate and reduce your monthly mortgage payment.
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Shorten your loan term to pay off more of your loan each month, thereby reducing overall interest and paying off your loan sooner.
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Use a Cash-Out Refinance to receive cash to help pay other expenses.
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Switch from an Adjustable Rate Mortgage (ARM) to a Fixed Rate Mortgage.
Fill out the form to connect with one of our knowledgeable mortgage loan officers today.
Why Should I Refinance?
There are many factors to consider when deciding if you should choose a refinance mortgage. Consider market trends, as well as your personal financial health. Its also good to consider how refinancing differs from other mortgage options like loan modification and second mortgages. The major difference to note is that refinancing gives you a new mortgage, while modification simply changes your current terms.
If you're interested in lowering your monthly payments, getting cash-out to remodel or maybe you'd just like different terms, refinancing your current mortgage may be right for you. Use this mortgage calculator to get an overview of your possibilities and contact one of our mortgage loan officers to find out if refinancing your home is the right move for you.
How Soon After Closing Can I Refinance?
Condos, modular homes, second homes, investment properties, primary residences, planned unit developments, manufactured homes and 1-4 family residences are all eligible for conventional loans.
Refinance Break-Even Point Calculator
Calculate the number of months to break-even if you refinance the loan.