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Home Mortgage Refinancing Loans

We all know that a lot of people seek mortgage refinance loans when interest rates are low. However, there are other aspects to think about when deciding to refinance your existing mortgage. These things depend on the amount of time you have owned the home, and even how long you plan on staying in the home.

First, it is often better to refinance a home loan in the early stages of home ownership. The reason has to do with interest over time. If you can lower your interest rate by a point or two for 15, 20 or even 25 years, you are talking about a lot of money. It could literally amount to a savings of many tens of thousands of dollars.

Next, you also need to consider how long you are planning on staying in the house. If you bought your home five years ago and plan on living in it for the rest of your life, then you probably need to get that refinancing. Lowering your monthly payment on something that will be yours for decades to come is perhaps the smartest move you can make.

The experienced team at Downs Financial can put all of this into perspective for you. Downs Financial handles all types of mortgage loans in all parts of the country. We can help find the best loan for your needs. In addition, we have some of the most competitive rates in the industry. Contact us today and let us get you on the road to a better mortgage.


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