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Is your current interest rate substantially higher than current
interest rates?
If so you may be able to roll your loan costs into a new loan and still get a lower
monthly payment than you have today.

Are you planning on staying in your home for at least 5 years?  If so, it may
make sense to pay the points and closing costs to get the lowest rate available.

Do you think it makes sense for you to refinance your home but
don’t want to pay the points and closing costs?
You may be able to roll your closing costs into your new loan and still end up
with a mortgage payment that's smaller than your current monthly payment.

Are the payments on your ARM getting out of control?
By refinancing into a fixed rate loan you will be locked into a monthly payment
for the life of the loan and have the certainty that your monthly payments will not
be going up.

Do you want to pull some cash out of your home by refinancing?
This can be a great idea if the money will be used to pay off higher interest rate
loans you may have.  For example, your credit card payments or car loan
payments.

There are many considerations to make other than interest rates and closing
costs when thinking about a refinance.  The best way to determine if a refinance
makes sense for you is to talk with us.  We will of course look at current interest
rates and closing costs but will also look at your current financial situation,
determine what your new monthly payment would be after you refinanced, how
much you may save each month, how long it will take for you to recover the
costs of the refinance and many other issues.
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