Refinance A Mortgage
With interest rates reaching record lows, you may be wondering if refinancing your mortgage is right for you. Below is a quick guide for home owners interested in lowering their mortgage payments and refinancing their home loans.
Can't wait to get started on refinancing your mortgage? Pre-qualify for a refinanced home loan now!
When Refinancing Is Right for You
While refinancing your mortgage may seem like a great opportunity for you to lower your monthly mortgage payments and reduce your debt, make sure to use a mortgage calculator and calculate if refinancing your mortgage will actually save you in the long run.
Refinancing your mortgage should be done to reduce your interest rate, shorten your term, or consolidate any revolving debt.
Refinancing your mortgage may be right for you if:
- Your goal is to get a lower interest rate and lower your monthly payment
- You Want to shorten the length of years on your mortgage.
- You need to get out of an adjustable-rate (ARM) or interest-only mortgage
- Want to create additional cash flow each month with your savings.
Refinancing your mortgage may NOT be right for you if:
- You plan on moving within a year.
- You haven’t made timely payments on your mortgage within the last 12 months.
- You are upside-down on your mortgage and owe more than your property is worth. It may be difficult to be approved for a refinanced mortgage.
How To Refinance your Mortgage
When refinancing your mortgage, you can choose to take cash out, or refinance the remaining amount on the loan. It's a good idea to call us at 404.436.0013 or email us at Holly Walther & Team with Success Mortgage Partners in Marietta, Georgia so we can give you a FREE Refinance Analysis to make sure it’s the right move for you.
Before you start the refinancing process, review your current situation to determine if you would quality for a refinanced home loan. Consider your income, employment history, credit score and other loan qualifiers, as these will apply on refinancing loans as they do for first time home buyers.
As you begin the refinance process, make sure to collect important documents that will be needed for home loan refinancing such as information about your current home loan, income statements, tax and property information, and homeowners insurance rates.
With most home loans, any costs incurred for your refinance can simply be rolled into the new loan. We will keep any refinancing costs to a minimum and will go over them in person so there are not any surprises at closing.
Mortgage Calculators for Refinancing
Using a mortgage calculator will help you determine if refinancing your mortgage is right for you. In some cases, refinancing will save you money on your monthly payments AND the life of the loan.
Want to learn about mortgage rates for refinancing, or determine if refinancing your mortgage is right for you? Contact us today!
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Holly and her team were recommended to me by my real estate agent. Holly Walther & Team are a very organized and knowledgeable group. Their attention to detail is outstanding. In addition, they create an honest atmosphere of caring by making themselves available for questions - no matter how small or silly the questions may seem. At one point in the process, I deeply misunderstood part of the reasoning behind a portion of the loan process; I broke down in a sobbing mess. It would have been easy for Holly Walther & Team to treat me differently at that point - like someone who is incapable of controlling their emotions. Instead, the team treated me with their highest reapect, and continued to reach out to me via e-mail, text, and phone calls. I highly recommend this group, not just for their expert skill sets, but also for their genuine compassion and ability to collaborate with all types of people.
Holly and her team are amazing and I’m so glad I had them in my corner. I bought my first house end of last year and I must say the building process was not smooth but Holly and her team had my back the entire time. I wish the builder was on top of things the way Holly and her team were. They kept my spirits up and kept me well informed. I highly recommended Holly and her team.
Holly and her team are absolutely wonderful! Everyone I interacted with went above and beyond to make the home buying experience fast and pleasurable. By far the best experience you will ever have buying a home. I will never buy another house without using them.
I had a great experience working with Holly Walther & Team during my loan process and can’t thank them enough. As a first time home buyer, I truly did not know much about the process and what steps were coming. Holly was more than willing to answer any and all questions, not only through the very beginning of the process, but even after closing. Her team is professional, prompt in their responses, and couldn’t have been friendlier. They will certainly be my team of choice from here on out and I would highly recommend them to anyone! Thank you guys!
Holly and her team are the absolute best! My family has used Holly’s team on two homes and both experiences were flawless. Every member of her team who helped us was friendly and knowledgeable. Best customer service ever!
Thank you Holly and your terrific team in helping us with our loan closing. No word can describe the fantastic job you all have done throughout our loan process. You all have kept us informed of our loan progress every step of the way. Your expertise and professionalism have way exceeded our expectations. I am very touched with your courtesy and caring. The Holly Walther team had done the impossible. We couldn't of bought the house without all your help. Please accept our deepest gratitude and thank you from the bottom of our hearts. You all are so incredible.
Holly and her team made our home buying experience smooth and stress free. Everyone was on the same page and knew exactly the answers to all of my questions and concerns. They are on the top of their game. Keep up the great work.
Holly Walther and team made our experience smooth and helped us every step of the way! Everyone is kind, friendly and so professional. I highly recommend them as a lender!
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Holly and her team are amazing. We have recommended them to several of our friends over the years. They are both professional and personal in their approach to helping people find a home. No stone is left unturned when they begin helping their clients. My wife and I have bragged about Holly and her team for years. We are currently using them for the second time to help us find our second house.
Holly and her team were wonderful from our first contact! Each member of the team is very quick to respond to both calls and emails. They were patient in explaining paperwork needed and explaining what was happening each step of the way. They provide little videos that make it easier to understand what all is happening for those who don't speak lender lingo. Everyone was very personable yet professional! I would recommend this team to anyone!
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We had an awesome experience with this company!! Holly and team did an outstanding job throughout the entire process. The whole team’s communication was excellent. Even our real estate agent was impressed. I would use them again.
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In the last 20 years, I've been "to the well" a number of times - purchases, refinances, children's first mortgages - and ONE TIME I thought I would "save some time" by letting my existing lender refinance their own loan. Once burned - and I've learned my lesson - I will NEVER consider another mortgage guru - Holly has always been available, to answer questions, had provided flawless advice at every junction, and thee process is so smooth and easy, you actually feel bad for folks who areen't using her team!. I know that I will never do that again. Thank you Holly Walther Team for all you do to make this process almost seem easy. It's been said that an expert makes thee difficult look easy - and the easier it looks, the more an expert they are! That describes Holly.