There are numerous advantages in refinancing your current home mortgages:

        *Lower monthly payment

        *Lower interest rates

        *Lock in a fixed rate

        *Get cash from equity on your property

        *Consolidate 2 or more loans into one

However, refinancing is not recommended for everyone. It is important that you weigh all your options when considering whether or not to refinance.

Refinancing Options

Just as there are various home mortgage options, refinancing has just the same number of options with a cash out option.

Fixed Rate Loans: Lock your loan with a fix low rate interest that will never change through its term. Common terms for FRL's are 10yr, 15yr, and 30yr loans.

Adjustable Rate Mortgages: A fluid loan program with rates as low as 3.50%.

Interest-only loans: Lower your payments and maximize your cash by only paying the interest each month.

Cash-out refinance loans: If the property has more equity than the loan amount, you can receive the difference in cash.

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