Refinance Options

What Type of Refinance is Right for Me or Should I Refinance My Home?
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 These are Your  Refinance Options 


Reasons to Refinance Your Home Loan:

  1. 1.  To Lower Monthly payments:

 Are you refinancing primarily to lower your rate and monthly payments? Then your best option might be a low fixed-rate loan. Do you have Mortgage Insurance (MI) you pay monthly?  You might now have enough equity built up to drop the MI and lower your payments even without lower your rate that much.  .  We have many ways to lower your monthly payment.  Let us take a free look at your current mortgage statement and we can tell you in a few minutes if a refinance is good for you. 

 2.  Cash-Out for Bill Consolidation or Home Improvement, Divorce or other needs: 

This option is for those who have equity in their home and wish to convert it to pay off bills or Home improvement.  In order to be able to convert your equity you will need to equity in excess of 80% of the value of the home after the loan is complete.    You can take cash out up to 85% of the value of your home with a FHA Loan, up to 100% with a VA loan.

3.  Building Equity Refinance (Lowering the term of the Loan):

Do you want to build up home equity more quickly, and pay off your mortgage sooner? Consider refinancing with a shorter-term loan, such as a 10, 15-year or 20 year mortgage. Your payments will be higher than with a longer-term loan, but in exchange, you will pay substantially less interest and will build up equity more quickly. If you have had your current 30-year mortgage for a number of years and the loan balance is relatively low, you may be able to do this without increasing your monthly payment -- you may even be able to save! For example, let's say years ago you took out a  50,000.00 USD 30-year mortgage at eight percent. Your payment is about 367.00 USD, exclusive of taxes, insurance and so on. If your balance today is down to $30,000, you might take out a 15-year mortgage at four percent and have an almost identical or lower monthly payment. This is a great option for people whose main goal to build up equity and pay off their home more quickly.

4.  Lowering or Dropping your Mortgage Insurance Permanently:  

FHA lowered the monthly costs of mortgage insurance in January of 2015.  If you got a FHA loan prior to January 2015 you are entitled to refinance and lower your Mortgage insurance by .5%.  This has the same affect as getting a lower interest rate by .5%.  If you combine the lower mortgage insurance rate with a lower interest rate you could be saving hundreds of dollars a month on your mortgage payment.  If your house has gone up in value since you last financed it, you might be entitiled to drop your mortgage insurance which could also save hundreds of dollars a month on your payment.  



5.  Second Mortgages and Home Equity Lines of Credit (HELOC): 


         A second mortgage will allow you to keep the interest rate on your first mortgage and take cash out of the house.  You need to know that a HELOC loan will adjust to the prime rate so the monthly payments are not fixed and can move up or down (open-ended mortgage),  whereas a second mortgage that is closed-ended will not move up or down



The Costs to Refinance:
In most cases, we can refinance your home with no out-of-pocket costs.  We know that finances are tight, so we design your loan so you do not have to pay for any costs of the refinance out-of-pocket.  That said, if you wish to "buy your interest down" or pay points to get a lower rate, you are certainly welcome to do so and we can do the analysis for you for free.  This analysis is free and could save you thousands of dollars over the life of your loan.  We want your business and this is just one of the customer services we provide to you before you decide.  

Types of Refinances:
The different types of Refinance Programs are as follows, but please call us and let us to put the pieces of the puzzle together for you.  Click on the highlighted programs for more details:


1. Conventional Loan Standard Refinance
2. Conventional Loan Cash Out Refinance
3. FHA Streamline: No Appraisal or Employment Check Alert! FHA Reduces Monthly MI by .5% on 30 year loans!
6. VA Interest Rate Reduction Refinance Loan IRRRLNo Appraisal or Employment Check
8. VA Conversion Loan
9. Jumbo Loan Refinance
10. Private loan Refinance
11. Construction Take out loan.  Used to pay off a construction loan
12. Refinance to combine a First and Second Mortgage.

           14.  Home Equity Line of Credit (HELOC) or a second mortgage




Articles that might help (Click to View):
1. Home Improvement Tips and Tricks


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MAE Capital Real Estate and Loan

CA DRE #01913783 NMLS #806170

4940 Pacific Street Suite A
Rocklin, CA 95677

Licensed under the California Department of Real Estate #01913783 NMLS #806170.
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