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Mortgage Refinancing Quotes

Figuring out when to refinance your home is always a major decision. As a rule, you must weigh the pros and cons for refinancing before jumping into a loan. Sometimes, refinancing to cover the cost of overwhelming debt can actually leave you with nowhere to go but filing for bankruptcy, especially if you choose to work with a broker who is less than honest. With the state and federal courts making bankruptcy harder to file, you could really end up in a bad situation if you're not careful.

But not to worry! At Downs Financial, Inc., we know all the pitfalls that homeowners should avoid when refinancing. As well, we have well thought out loan programs for people in all kinds of financial situations.

So, when you're ready to refinance, consider three things. First, consider the costs involved. These can include the loan origination fee, discount points, appraisal costs, credit report, processing, title insurance and escrow costs.

Second, check out interest rates. We make this part easy with our online no-hassle application. In a few minutes, you'll have a quote for your loan. A savings of even a half a percentage point can save you thousands in interest over a 15 or 30 year period.

Third, determine how much you'll actually save. Now that you've got the quote in hand, use our mortgage calculator to determine monthly payments for the given term of the loan. Remember, experts recommend that your loan payments be no more than 30 percent of your gross income, so keep this in mind when calculating what you can and can't afford.


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