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Interest rates are a constantly moving target. Rates are affected by the economy, political environment and outlook of the financial markets. As rates change, you may be able to refinance your existing mortgage to take advantage of lower rates. You may also be able to extend or shorten the term of your mortgage. Rate-Term refinances generally do not require any out of pocket costs since any closing costs may be rolled into the new mortgage.

You may have an adjustable rate mortgage (ARM) in which the interest rate could increase during the life of the loan. Rate-Term refinances can be used to lock your rate and payments for the duration of the loan.