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Reasons to Refinance

There are many reasons to refinance your current home loan or mortgage. The major reasons we see our Florida home owners refinancing are to:

 Lower Payments
 Switch to a different type of loan
 Borrow cash or to "cash out"

Asking the right questions, investigating options, and planning the best strategy for you are very important steps when considering refinancing.

Lower Monthly Payments

If interest rates are lower now than when you got your current mortgage, you may be able to refinance at a lower rate.

Or, perhaps you have improved your may qualify for a better rate than you currently have.

For Example:

A $200,000 loan at 8% over 30 years costs you $1,468 a month. At 6% your payment would drop to $1,200 a month, saving you over $100,000 over the life of the loan.

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Switch to a Different Type of Loan

For a fixed monthly payment - Switch from an Adjustable Rate Mortgage (ARM) to a Fixed Rate Mortgage (FRM)

To take advantage of lowering interest rates - Switch from a Fixed Rate Mortgage to an ARM in a market with rising interest rates.

Or, to move into a lower fixed rate in a market where interest rates are decreasing.


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Borrow Money for Other Purposes

The equity that you have accumulated in your home can help you qualify for a loan of up to 100% of your home's value.

Each lender has different programs so the amount you may borrower varies from 75% to 100% of your equity.

You can use this money to make home improvements, pay down debts, finance your children's education, or expand your business.


If your home is worth $200,000 and your mortgage balance is $50,000, you could borrow $150,000 (100% of your current home's value).

After refinancing your mortgage balance of $50,000, you would have $150,000 remaining to cash out.

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Elise Altergott
Principal Broker

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