Time to refinance?

Mortgage rates spent much of the year setting record lows,  The average 30-year fixed-rate mortgage was still as low as 4.50% today.  With rates this low, if your bank or mortgage lender hasn't called you to tell you into refinancing, you may want to give me a call. 

Swapping your old mortgage for a new one can result in big savings, totaling thousands of dollars over the life of the loan.  Refinancing makes sense if you:

1)  Have an adjustable rate loan
2)  Want to swap a 30-year loan for a 15-year mortgage
3)  Are moving from a jumbo loan to "conforming" size
4)  Can shave 1/2 to 3/4 of a point off your current fixed rate
5)  Need cash out to retire high interest rate credit card debt or a 2nd mortgage

Call me to review your refinance options.