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REFINANCE | 32819 | 32836 | Dr Phillips

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Refinance

Owners, this is the best time to have very good credit. Most importantly weigh the options and do the math based on your current interest rate. It all depends on your goal. Do you plan on staying in your home for at least 4-7 years is the first question? Again I emphasize how much longer do you plan to be in the home to make this worth it? Consider shortening the length of the loan from 30 year fixed to a 15 year fixed. However you still must qualify for the loan under these conditions. Lenders take in consideration the equity you have in your home, of course your income and debt to income ratio. If not enough equity at least 20% you can cash out and refinance for home improvements and or pay off bills. this cash out can help lower debt and free up funds. Pro's are lower monthly payments and more cash flow. The Con's are more interest paid over life of loan and takes longer to gain equity. your 30 year or 15 year clock starts over to start paying your mortgage. Remember refinance rates are different from purchase rates. 

PURPOSE 

The purpose of refinancing is to reduce your monthly mortgage payment and save on overall interest in the long run. CLICK HERE FOR HOME EQUITY INFO

SHOP AROUND

Many lenders are competing with each other for your valued business. The ideal scenario is to come out of pocket with no money and no payment in two months. I suggest you start with your current lender. Mortgage rates change all the time which is driven by the economy, such This is because they already have you loan and current information. Right now as of April 9th, 2021 mortgage interest rates for a 30yr FHA fixed loan is 2.88%, jumbo loan is 3.11%. Contact me today to put you in touch with the right lender. Also Facebook Kevin Sells Florida and Kevin Selling Florida.


REFINANCE | 32819 | 32836 | Dr Phillips

All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independent verified. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. The source of the listing data is as follows: Stellar MLS (updated 5/24/22 11:59 PM) |
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