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Refinance

Great reasons to refinance

Lower your monthly payments
Security of a fixed rate loan
Move to an ARM for short-term savings or simply short-term plans
Take cash out of your home’s equity
Eliminate mortgage insurance

Great Reasons to Refinance
Fixed vs. ARM Comparison
Refinance Calculators
Mortgage101

Fixed vs. ARM Comparison

Advantages

Disadvantages

Fixed Rate Mortgage

Fixed monthly payments over the life of the mortgage
Longer life, lower payments
Fixed interest rate over the life of the mortgage
Can refinance if rates go down

Interest rate will be higher than a 15 year fixed and Adjustable Rate Mortgage
Interest rate does not change if rates go down

Adjustable Rate Mortgage

Lower monthly payment and interest rates at the beginning of the loan
Borrower may qualify for a higher loan amount based on low start rate and payment
Rates and payments may go down if interest rates decline

Payments may rise as rates rise
Unable to budget long term mortgage expense based on the variable rate

Refinance Calculators — Crunch some numbers.

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Amortization schedule and calculator
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Mortgage 101. Educate yourself.

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