BretlinFloridaMortgage.com - www.bretlinfloridamortgage.com

Why Consider Refinancing Your Home?

Why consider refinancing your home?

• So you can lower your interest rates
  • Smaller monthly payments
  • Improve monthly cash-flow
  • Reduce long-term costs of your mortgage
  
  
• So you can consolidate more costly 'bad' debt (i.e., credit cards, consumer debt)
  • Much lower interest rate... credit card interest usually ranges from 18% - to - 20%... two or three times the rate of a typical mortgage
  • Tax deductions: mortgage interest is tax-deductable… credit card interest is not
  • Improve monthly cash-flow by eliminating credit card payments
  
  
• Eliminate insurance payment... can be done if your LTV (Loan - To - Value) ratio is less than 80%
  
• Lengthen the term of your loan
  • Smaller monthly payments
  • Improve monthly cash-flow
  • Reduce long-term costs of your mortgage
  
  
• Reduce the term of your loan
  • Pay off the loan faster
  • Reduce overall (long-term) cost of the financing
  • Enter retirement without a mortgage payment
  
  
• Switch from ARM (Adjustable-Rate Mortgage) to Fixed-Rate Mortgage... avoid upward interest adjustment
  • Interest rate lower than ARM interest increase
  • Improve monthly cash-flow
  
  
• Switch from Fixed-Rate Mortgage to ARM (Adjustable-Rate Mortgage)
  • If you're planning on selling within 3 - to - 5 years, it makes good sense to get an ARM, and pay lower interest rates while you're there
  • Initially, interest rates are typically around 2 points LESS than a conventional mortgage.
  • Improve monthly cash-flow
  
  
• Lower interest rate
  • Since the time you originally financed your home, it has increased in value... meaning additional equity for you. This translates to a better LTV (Loan - To - Value) ratio, which can mean a lower interest rate.
  • Since the time you originally financed your home, your credit scores may have improved. If so, this might have a significant impact on the lending terms that you qualify for.
  
  
• Convert equity to cash for:
  • Home improvements ($20,000 in upgrades can translate to $60,000 increase in equity value)
  • Home repairs
  • New appliances
  • Childrens’ education
  • Investment purposes
  • Purchase boat, car
  • Purchase additional property
  • Long over-due luxury vacation

BretlinFloridaMortgage.com - www.bretlinfloridamortgage.com  Give us a call at 1-800-572-5964 or email info@bretlinfloridamortgage.com  Apply online 24/7

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