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Mortgage Refinance Information

There are several loan options available for refinancing your home on the market today. At Downs Financial, Inc., we specialize in offering debt consolidation through refinancing, cash out refinances, and home improvement refinancing. We do well because we've mastered a customized process of lending and repayment that is fair to us and beneficial to you as the customer.

Our loan programs are straightforward. The rate quote we give you is always our best offer, up front. What's more, we won't try to confuse you with complicated financial terms. Although we deal with people every day who are experts at buying and refinancing, we also know that many of our customers are first timers.

We offer guidance to those who need it or who just need to be refreshed on the particulars of the mortgage loan process. For example, amortization is a word often used during the lending process. It is simply the process of paying off your debt in payment installments that combine principal and interest over time. This is the standard way you pay off any loan. However, it's large words like this that can often confuse inexperienced buyers.

To help you sort through all the jargon, we offer a mortgage glossary on our website to explain adjustable rate mortgages (ARMs), caps, points, float, foreclosure, housing ratio, and more. You may be familiar with some or even all of these terms, but we make it our responsibility to keep you educated about your loan and the specifics therein.


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