David Stephenson
NMLS 181057
    • Lake and reeds with mountain range in the background

    Is your current home still meeting your needs?

    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 be required to have a home.

    Contact David Stephenson for a mortgage check-up. She can take a look at your loan, walk you through the benefits of refinancing, and break down all your costs so you can make a well-informed decision.

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