Mortgage Refinancing Lender
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Unlock new opportunities with mortgage refinancing.
As a trusted mortgage lender, we understand that your home financing needs can evolve over time. That’s why refinancing offers a powerful tool to align your mortgage with your current goals and lifestyle.
At First Heritage Mortgage, we care about your vision for the future. Tell us what you’d like to achieve, and our loan experts will guide you through the refinance process with the personalized service you deserve from start to finish.
Why consider refinancing?
There are many compelling reasons to explore a mortgage refinance:
- Lower Your Monthly Payment: When market rates are lower than your current mortgage rate, refinancing may provide significant savings on your monthly payment. A lower rate means more of your payment goes toward principal, helping you build equity faster.
- Shorten Your Mortgage Term: You can use a refinance to shorten the term of your mortgage, allowing you to pay off your home sooner and potentially saving thousands in interest over the life of the loan. Shorter terms like a 15-year often come with lower rates, too.
- Stop Paying Mortgage Insurance: If you’re currently paying for private mortgage insurance (PMI), refinancing may allow you to tap into your home’s equity to eliminate this recurring cost. More of your housing budget stays in your pocket each month.
- Convert to a Fixed-Rate Mortgage: Have an adjustable-rate mortgage (ARM)? Refinancing to a fixed-rate loan can provide peace of mind by locking in a low rate for the life of the mortgage. No more wondering when your rate might rise.
- Consolidate Other Debts: With a cash-out refinance, you can leverage your home’s equity to pay off high-interest credit cards, personal loans, or other debts. Consolidating into one low mortgage payment can save you money and simplify your finances.
- Fund Major Expenses: A cash-out option also allows you to access your equity for things like home renovations, college tuitions, investment properties, and more. Your home’s value works for you.
NOTE: By refinancing an existing mortgage, the consumer’s total finance charges may be higher over the life of the loan. Contact your First Heritage Mortgage loan officer for more details.
The Refinancing Process
As your mortgage refinancing lender, our goal is to make the refinancing process as easy as possible. Here’s what you can expect:
- Complete an Application: We’ll collect details on your current mortgage, home value, income, assets, and goals to find the ideal refinance solution.
- Provide Documentation: Items like pay stubs, tax returns, and bank statements allow us to verify your financial standing and qualify you.
- Appraisal and Underwriting: We’ll order an appraisal to confirm your home’s value, then submit everything to underwriting for final approval.
- Clear to Close: Once approved, we’ll coordinate with the title company and prepare for your closing appointment to finalize the new loan.
Refinance With Confidence
Not sure if mortgage refinancing is right for you? Our team will take a comprehensive look at your current loan, financial circumstances, and future plans and work with you to determine the best path forward.
As your trusted Mortgage Refinancing Lender, our priority is ensuring you have a clear path to achieving success through homeownership. Let’s get started!
Connect With A Loan OfficerReady? Let’s get started.
Get in touch with our team of home refinancing loan experts to learn more about the loan option that’s best for you.
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Begin your journey towards home ownership today.