Refinancing

Are you looking to lower your interest rate, reduce your mortgage term, consolidate debt, or take extra cash out of your home? Then, it may make sense to refinance - here's how it works:

Step 1 - Complete an Application

The application will ask you questions about your income, assets, liabilities, and the home. Once you have gathered your financial information using our Mortgage Application Checklist, it will take approximately 20 minutes to complete. After we have received your application, we will process it and contact you with any questions.

Step 2 -  Order an Appraisal and Title Insurance

We will order an appraisal and title insurance for your home. A licensed appraiser, who is familiar with home values in the area, will need to view the home. We will work with you to order title insurance to confirm the legal description and verify the property is free and clear of liens and judgments.  

Step 3 - Schedule the Closing

We will contact you to coordinate a closing time after we have received your application, required documents, and appraisal. Prior to closing, we will advise you of the final amount due at closing and answer any questions. All closings take place at a title company.