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Refinancing Your Home 

Have you ever considered the money you could save by looking into refinancing your home? When interest rates are low, you could save on your monthly mortgage payments! A mortgage refinance replaces your current home loan with a new one with new terms. This could include a new interest rate, the type of home loan, and the longevity of your loan. As the local real estate experts, Jeff Cook Real Estate can connect you with a trusted lender to help you begin the process of refinancing your home. 

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Benefits of Refinancing

  • Save Hundreds Per Month
  • Take cash out (20-50k out of your home's equity) to get debt free or fix up your home
  • Close in 21 Days Instead of Selling

Do I qualify for a refinance?

If your interest rate is 3% or higher, as long as your credit is good it is worth the effort to refinance and save money on your home payment each month! Additionally, if you purchased your home between 2013-2019, now is a great time to refinance and lock in that lower rate. Even if you refinanced in 2020 it might be worth looking to see if you can save even more money.

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How do I know if I should refinance?

Before you dive into refinancing, it’s important to determine your goal. Are you looking to save on your monthly payment? Do you need cash to pay off debt? Do you want to shorten the term of your loan? Do you need to make home improvements? If you relate to any of the following scenarios... it’s time to begin the process of refinancing your home. 

What will refinancing change?

When choosing to refinance your home, there are many things that could change. Speak with a loan officer to create a customized plan for your refinance. Below are the different areas in which refinancing could benefit your mortgage plan.

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Home Loan Type

If your current loan is an adjustable-rate loan you may find that your mortgage rate periodically adjusts. If you’re needing a steady payment each month, consider switching from an adjustable-rate loan to a fixed-rate loan.

Home Loan Longevity and Amount

Keep in mind when refinancing, if you choose to shorten your loan from a 30-year to a 15-year, the monthly payments will go up but you’ll end up paying less in interest over time. Additionally, if you need to pull cash out of your home, we offer those options as well.

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Interest Rate

Imagine your interest rate dropping by 2 points! Refinancing can potentially save you money on your monthly payment simply by refinancing with a lower interest rate.

Monthly Payments

The combination of lowering your interest rate and potentially removing PMI with a re-appraisal of your home could potentially save you anywhere from $200-$400 a month.

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How do you properly navigate the refinancing process?

Jeff Cook Real Estate is proud to introduce our preferred lender, Interlinc Mortgage, and recommend their professional services to our clients. When beginning the refinancing process, you will work with one of Interlinc’s loan officers on a custom plan to make sure you get the most out of refinancing your home. Interlinc has a quick and efficient time frame of 20-30 days for your closing, which is almost 15 days less than the current average! 

To see if you qualify to save hundreds a month, fill out the form below.