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Every day, it seems like more news comes out about how this is the greatest time in history to refinance your mortgage.  Rates are sitting at all-time lows RIGHT NOW, and if you aren’t applying for a mortgage refinance, you just haven’t been paying attention.

So, we’ll say it again: rates are as low as they have ever been.  If you bought your home 10 years ago, a refinance can save you hundreds of dollars a month, and thousands over the course of your mortgage.

There are many different ways for homeowners to take advantage of these low rates with a mortgage refinance.

A Cash-Out Refinance lets homeowners use the equity that they have built up from making payments and increasing home value.  This type of loan is great for homeowners that have credit card debt.  Rolling high-interest debt into your low-interest loan is a great way to put money back in your pocket, and stop making credit card companies rich.

A Rate and Term Refinance is another way to use lower interest rates to save money.  With this loan program, you can reduce the length of your loan to save on interest payments and finish paying your home off faster.  If you have a 30-year, you can switch to a 15, sometimes without even raising your monthly payment if you get these low rates!

A mortgage refinance can change your life.  That’s not hyperbole.  You can go from stressing over your credit cards to sleeping like a baby.  You can put in the pool your kids want.  You can build the man cave or she shed you want to get away from said kids.  You can finish paying off your home before you retire.  There are options available when mortgage interest rates are this low.

And with every refinance, you can skip 2 months of payments.

Call The Home Loan Expert Team in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515, and Nashville at (615) 810-8555.  You can always apply online with our 5-Minute Loan Approval at hero.loan for your VA Loan, and www.thehomeloanexpert.com for your other mortgage needs, and we’re also open on Saturdays and will come to you to help close your loan. We work hard to make it easy on you.  Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?

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