Refinance a home.
A refinance is worth a look when your goals have changed. Sapan reviews your current loan against what you want now and shows the costs alongside the benefits.
What the first conversation covers
- Your current rate, balance and remaining term
- Refinance costs weighed against what would change
- Options compared on total cost, not only the payment
Common reasons to review a loan
- A different rate
- Comparing today's options with your current rate, including what it would cost to change.
- A different term
- Shortening the term to pay less interest overall, or lengthening it to ease the monthly payment.
- Access to equity
- Using part of your home's value for renovations or other goals through a cash-out refinance.
- A fixed payment
- Moving from an adjustable rate to a fixed one for predictability.
Loan topics to compare
- Rate and term refinanceReplacing your mortgage to change the rate, the term or the loan type.
- Cash-out refinanceBorrowing against home equity by replacing your mortgage with a larger one.
Program availability, terms and eligibility are confirmed with Sapan against current Secure Choice Lending guidelines and the states where he is licensed.
Bring your current mortgage statement, and the numbers get specific quickly.