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Refinance


Refinance your current VA, FHA, Conventional or JUMBO loan today with Affinity Mortgage

Why Refinance?


There are many reasons why refinancing your mortgage may be of benefit…

Refinance benefits:

  • Lower your rate and lower payment: Refinance rates are still near historic lows. Refinancing to a lower rate can lower your payment and save you money.
  • Consolidate debt: Combine high interest debt into a single monthly payment that features a low fixed rate.
  • Take cash-out from your home: If you need cash for home improvements, debt consolidation or for other purposes, a cash-out refinance is a great loan option.
  • Shorten your term: Long term savings can be substantial when you refinance into a loan with a shorter term (typically 10yrs or 15yrs).
  • Refinance out of an ARM (adjustable rate mortgage): If your current loan has an adjustable rate, you can refinance into a low fixed rate that will not change.
  • Eliminate your PMI: Refinance options that allow you to get rid of your monhtlhy PMI payment once and for all.

+Underwater? Programs like HARP may allow you to refinance...
Regardless of the type of mortgage you are currently in (i.e., Conventional, VA or FHA), there are programs that may allow you to refinance into a better loan with a lower rate and lower payment. For example: The HARP program is for borrowers in Conventional mortgages. HARP, in some instances, will allow you to refinance regardless of how underwater or upside-down you are.

Submit the “Rate Quote!” form (below) to find out exactly what programs you are eligible for.

+Are you eligible for a Streamline refinance?
Streamline refinance programs are wonderful and they exist for all major loan programs (Conventional, FHA and VA). For example: If you are currently in a VA loan, VA’s streamline refinance (the “Interest Rate Reduction Loan”, commonly referred to as “IRRRL”) makes your refinance super easy as most borrowers do not have to document income, nor assets, and there is no appraisal required. Further, Streamline refinances can typically close very quickly.

These Streamline refinance programs exist for Conventional and FHA loans as well and offer many benefits. Submit the “Rate Quote!” form (below) to find out exactly what programs you are eligible for.

+Consolidate your debt and credit cards.
One of the great benefits of refinancing your mortgage is that you may be able to payoff high-interest credit cards (or other debts). By rolling these debts into your mortgage, you will have a single payment that can save you hundreds of dollars each month.

+No PMI. Consolidate your debt and save.
Some loan programs require a monthly PMI payment if you are above 80% loan-to-value, but we have many loan options that may allow you to refinance without having to pay a monthly PMI payment. Submit the “Rate Quote!” form (below) to find out exactly what programs you are eligible for.

+In a hurry to close quickly? We've got you covered.
Our Streamline refinance programs, coupled with our excellent staff of processors, allow us to close most refinances in short order. Simply submit a “Rate Quote!” form (below) to see how quickly we can get your refinance closed.

Start Here…


Rate Quote!

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