YOU Magazine - April 2020 - Thinking About a Refi?
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Paul and Sarah Scheper     Paul and Sarah Scheper
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April 2020

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Thinking About a Refi?

Thinking About a Refi?

Refinancing a mortgage is often a great way to change the terms of your loan or save money on your monthly payments. If you're thinking about refinancing, here is some important information for you to to keep in mind.

What is refinancing? Refinancing is the process of getting a new mortgage on your home. The majority of homeowners refinance their mortgage when they have equity in their homes. Equity is the difference between how much a home is worth and how much is owed to the mortgage company. However, refinancing doesn't mean you end up with two mortgages. Instead, the refinancing process pays off your first loan and the second loan takes its place.

What are the benefits of refinancing? There are several beneficial reasons why you might consider refinancing your mortgage. One of the main benefits of refinancing is that it can help you get a lower interest rate. Paying your bills on time increases your credit score. A higher credit score opens up the ability to get loans at lower interest rates. A lower interest rate can significantly reduce monthly payments, which could end up saving you hundreds of dollars every year.

A lower interest rate isn't the only benefit of refinancing. You can also refinance to get money for a large purchase, such as a new car, a college education, or to pay down credit card debt. If you use that money on a home remodeling project, you can then turn around and increase the value of your home.

If you believe refinancing is right for you, call me today for more specifics about the process.

Source: Credit Karma

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