Use our loan calculator to determine a loan amount and mortgage payment that's right for you. Tell us where you are looking and what you have in mind and we'll share with you, the best loan product for YOUR individual/family need. 

Tip: We can help to explore the break-even on different loan products in order to help you evaluate points versus rates.

Analyze Mortgage Rates 

It is no secret the days of mortgage lenders giving out easy money are over. The near collapse of the mortgage industry took care of that. There were many lessons to learn from the disaster, but one of the biggest is to educate yourself as much as possible regarding mortgage loans. This is true regardless of whether you are a first time buyer, deciding between a fixed rate or adjustable mortgage or just looking to refinance.

During the application process, the subject home will undergo a new appraisal to determine its value, and the homeowner's credit file will be reviewed. The lender will also order a title report on the property to search for any other liens that may appear. Assuming all these items meet with the lender's approval, the loan will be approved.

Once approved, the homeowner will meet to sign the new mortgage. The proceeds of the new loan will be used to pay off the old first mortgage as well as any additional mortgages and liens on the property. Accordingly, the only mortgage showing on the home after the refinance will be the new loan itself.

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