Whether you want to have lower payments, get cash for home improvements or consolidating debts, or reducing the term of your loan we can help.  Our broad experience in all type of loan strategies and various wholesale lender relationships offering a multitude of loan programs allows us to meet your refinancing needs.

Get Cash Out
We'll help you determine what exact loan product makes the most sense for taking cash out of your home. Refinancing and taking cash out using a new first mortgage or a home equity loan, or both depends on your financial goals, the interest rates, your tax rate and more.

We'll help you choose the ideal program with the lowest weighted annual percentage rate and payments to meet your personal needs and goals.

Lower Your Payment—Save Money
If interest rates fall below your current mortgage rate, refinancing may be a great idea. The old idea that rates must be 2 full percentage points below your existing loan is not true. A drop of as little as 1/2% could save you thousands of dollars. We'll analyze your personal needs and goals and find the right loan at the lowest costs possible.

A variety of loan terms, no-point rate options and lower closing cost loans have greatly decreased the rate difference needed to make refinancing profitable.

Another popular way to lower a monthly payment is an interest-only loan. With this loan, the borrower pays only the monthly interest on the balance—you can pay principal as well if you wish.

We will always help you determine what loan program will best suit your needs and goals, whether it is an interest only loan or some other program.

No-Cost Loans (No-Points/No-Fees)
We will analyze and explain how a No-Cost loan can be structured then show you the difference by preparing a Total Cost Analysis.  A Total Cost Analysis is a detailed spreadsheet that clearly shows you if a No-Cost loan will work for you. Generally, the minimum loan size needs to be $150,000 or higher.