Refinancing your mortgage could be the key to unlocking significant long term savings.
Securing a new loan with a lower rate could reduce your monthly payment, freeing up cash for other goals. Imagine what you could do with that extra money each month!
Ready to take control of your financial future? Our user-friendly mortgage refinance calculator is here to help you estimate your potential benefits. Consider factors like current rates, your loan term (like a 30-year mortgage), and whether you want a cash-out option to tap into your home’s equity.
One of the most significant advantages of refinancing is securing a lower interest rate. This reduction can lead to substantial long-term savings, making your mortgage more affordable over time.
Refinancing offers the opportunity to shorten your loan term, allowing you to pay off your home faster and build equity at an accelerated pace.
Through refinancing, you can consolidate high-interest debts, such as credit cards or personal loans, into your mortgage payment. This consolidation can make your overall debt more manageable and potentially save you money on interest in the long run.
Swap the uncertainty of an adjustable-rate mortgage (ARM) for the stability of a fixed rate through refinancing. This switch provides predictability in your monthly payments, offering peace of mind amidst market fluctuations.
Refinancing also allows you to access your home’s equity through a cash-out option, which can be used to finance renovations or other essential needs. This provides a cost-effective means of investing in your property’s value and enhancing your living space.
Don’t settle for an outdated home loan! Explore your refinance options and discover how much you can save. Talk to The Toenjes Team at Peoples Mortgage to find the best mortgage refinance option for your situation.
Get started today by contacting Justin Toenjes or feel free to ask us questions about the refinancing process.
Call us at (480) 237-8144 or give us some details on this form and our team will contact you as interest rates move in a positive direction.
Work with one of the best loan officers in the Phoenix metropolitan area and experience the most efficient refinance process available.
We work hard to find the best loan to fit your personal needs, plus coordinate with you to make the mortgage refinance process as simple as possible.
Replace current mortgage with a new one, often to lower interest rates or change terms; timing depends on individual circumstances.
Examination of a property's condition by a qualified inspector to identify potential issues before purchase; highly recommended.
Fixed-rate is constant for the entire mortgage term; ARM's change periodically based on a predetermined schedule and a financial index.
Detailed estimate of loan terms and costs, provided within three days of (RESPA 6) mortgage application.
Fees associated with purchasing a home, typically ranging from 2% to 5% of the loan amount.
Insurance protecting lenders if borrowers default, often required with down payments less than 20%.
LO Licensing: Justin Toenjes, AZ LO-0912116 CA-DFPI167048 CO-100032832 FL-LO118111 ID-MLO-2080167048 NV-68467 TX NMLS-167048
Peoples Mortgage – 2055 E Centennial Cir, Tempe, AZ. 85284
LO Licensing: Kathi Alosi, AZ LO-0914249 NMLS-259189
Peoples Mortgage – 11201 N Tatum Blvd, Suite 140, Phoenix, AZ 85028
Company Licensing: Peoples Mortgage Company, A DBA of Moria Development, Inc. AZ 0904164 California – RMLA4130661, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act : www.peoplesmortgage.com/privacy-policy CO, Regulated by the Division of Real Estate FL-MLD1223 ID – MBL-2080006274 NV-4200 TX peoplesmortgage.com/license NMLS-6274
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