Home Refinance 1
UPDATED: Sep 16, 2013
Advertiser Disclosure: We strive to help you make confident loan decisions. Comparison shopping should be easy. We are not affiliated with any one loan provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Steve Crowell
Mortgage Loan Originator
Steve Crowell is a New Hampshire based mortgage loan originator with Luminate Home Loans, Inc. After graduating from the University of New Hampshire in 2003 with a BS in Business and Economics and a BA in History, he went on to get his broker license in 2005. In 2021, he was recognized as a Luminate Home Loans “Circle of Excellence” top agent. Steve works as a trusted resource for clients w...
Mortgage Loan Originator
UPDATED: Sep 16, 2013
Advertiser Disclosure: We strive to help you make confident loan decisions. Comparison shopping should be easy. We are not affiliated with any one loan provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about loans. Our goal is to be an objective, third-party resource for everything loan related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 16, 2013
Advertiser Disclosure: We strive to help you make confident loan decisions. Comparison shopping should be easy. We are not affiliated with any one loan provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Sep 16, 2013
Advertiser Disclosure: We strive to help you make confident loan decisions. Comparison shopping should be easy. We are not affiliated with any one loan provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
What is a Refinance?
Those who already have a home loan and who are looking for a lower interest rate should apply for a mortgage refinance loan. Refinancing works by allowing a borrower to take out a brand new home loan to cover the cost of their existing home loan.
To begin the process, fill out the free application above. After submitting your application, we will immediately try to match you up with one of our partnered lenders. If we find you’re not a candidate for a refinance, but that you are struggling with your home payments, we will give you the option of continuing an application for a home loan modification.
Reasons for Refinancing
The main reasons for refinancing a mortgage include:
- Reducing your interest rate
- Lowering your monthly payment
- Converting and adjustable-rate mortgage to a fixed-rate mortgage
- Extracting equity from your property
- To pay off your mortgage more quickly
There are different refinancing strategies or approaches to take depending on your goal. After applying for a refinance using the form above, please speak with the lender(s) who contact you about your personal situation, and they will help guide you to the correct type of refinance loan.
The Best Time to Refinance
Depending on your personal situation, the best time to refinance may be right now.
For instance, if your property has a lot of equity, and you would like to extract some of that money for desired or necessary home upgrades, then refinancing at a time like now — when property values are up — may award you with the most amount of money.
Similarly, with interest rates still near record lows, securing a lower-than-normal interest rate is definitely a possibility.
Finally, for those who have adjustable-rate mortgages (ARMs), refinancing into a fixed loan is usually always a good idea. The sooner you get on a fixed payment schedule, the sooner you will be able to see stable monthly bills.
If you need more information before deciding whether or not to apply for a refinance loan, please browse our refinance articles and frequently asked questions.
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Steve Crowell
Mortgage Loan Originator
Steve Crowell is a New Hampshire based mortgage loan originator with Luminate Home Loans, Inc. After graduating from the University of New Hampshire in 2003 with a BS in Business and Economics and a BA in History, he went on to get his broker license in 2005. In 2021, he was recognized as a Luminate Home Loans “Circle of Excellence” top agent. Steve works as a trusted resource for clients w...
Mortgage Loan Originator
Editorial Guidelines: We are a free online resource for anyone interested in learning more about loans. Our goal is to be an objective, third-party resource for everything loan related. We update our site regularly, and all content is reviewed by experts.