Brian Jones
NMLS 38435
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    Know your options for paying off your mortgage.

    The majority of mortgage loan applications over the past several years have been for refinancing due to historically low interest rates. People refinance for a variety of reasons including changing from an adjustable-rate to a fixed-rate mortgage, shortening or lengthening the term of the loan, home renovations, getting a loan with better terms and debt consolidation.

    While refinancing could make a significant difference in the amount you pay each month, there are other costs you should consider (such as finance charges over the life of the loan). Refinancing a mortgage is similar to when you applied for your loan initially. You must have a relatively good credit score, pay closing costs and fees, and may even have a cursory home inspection.

    Brian Jones can discuss the benefits of a refinance transaction, along with all the costs involved, so you can make an informed decision.

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