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Why is now the best time to refinance?

How much money are you sending to your mortgage company every month? When you bought your house a few years ago when the economic outlook was substantially rosier, price was probably less of an issue than it is now.

With the economy strong, you probably locked in an interest rate that isn't nearly as low as it is now. If you have a good or excellent credit rating, you could refinance and lock yourself into a lower interest rate.

Mortgage rates have hit over a 50 year low. 30 year fixed rates are at 3.75% and 15 year mortgage rates hit 2.75%. With these rates many homeowners are refinancing their 30 year mortgages into 15 year mortgages and are barely seeing a payment difference. How could paying your home of 15 years earlier benefit you and your family? Of course you don't need to go from a 30 year to a 15 year; if cash flow is more important now, you can keep your current 30 year loan and just payless every month.

Purchase with little to no money down!

Buying a home is one of the smartest financial moves a person can make. A house provides much more than just a roof over your head; it can be a great investment and a major source of wealth over the years. With home prices at an all time low and mortgage rates breaking historic lows; makes the perfect combination for affordable housing.

We have added several new programs to help buyers purchase with little to no money down. Give us a call today and schedule your "Free" consultation. We have programs that go from 100% financing to as little as $100 down payment. Don't miss out on the American Dream...Now is the time to buy!