Don’t Feel Trapped in Your 30-Year Mortgage

Mortgages come in lots of different flavors.  You have your Conventional, FHA, Jumbo, HARP, and VA Loans.  You also have new home purchases or refinances.  The wide variety of mortgages and options help you find the right option for what you want.  Many homeowners that bought their homes before the crash in 2008 may be worried about a refinance starting the clock over again and then being stuck if the market tanks again.  However, you can get a loan to shorten your obligation for your mortgage, and maybe save some money on the process.  Don’t feel trapped in your 30-year mortgage, let us help you with a Rate and Term Mortgage!

A Rate and Term Refinance takes the equity that you’ve built up in your home and combines it with today’s historically low interest rates.  It allows you to change your 30-year mortgage to a 20 or even a 15-year, sometimes without even changing your monthly payment!

Refinancing with The Home Loan Expert, Ryan Kelley also lets you skip a couple of months of payments on your mortgage after the re-fi!  But these low rates may not be here forever, so the time to refinance is NOW.  With the recovery of the US economy, the federal reserve is looking to raise interest rates again, and we don’t want you to miss out on the chance to pay thousands of dollars less on your mortgage.

A Rate and Term mortgage will save you money over the course of the loan by reducing the amount of payments that you make, and reducing the amount of interest that you pay overall, letting you own your home faster, for less overall money.

Call The Home Loan Expert Team in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515 or Nashville at (615) 810-8555. You can always apply online at www.thehomeloanexpert.com, 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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