Fix Your Rate

Stabilize Your Payments with a Smart Refi

Life’s unpredictable, but your mortgage payment doesn’t have to be. If you’re feeling the pinch of fluctuating payments, a refinance could offer the stability you need. Adjustable-rate mortgages can start off with lower payments, but they can change over time. We’re here to help you find the perfect solution—one that keeps your payments steady and your budget on track.

Myth:

Refinancing means you have to reset your loan term

Fact:

In a rate and term finance you can also change the length of your loan to keep your payoff date to close where it is now

What Are Your Goals for the Future?

Before you refinance to a fixed-rate mortgage, take a moment to ask yourself a few key questions:

Will you be staying in your home for 10+ years?

If so, locking in a fixed-rate mortgage could be a smart move. You'll secure a competitive rate that stays steady for the life of your loan. Plus, if you want to adjust your payment, you have options! Choose a longer term for a lower payment or a shorter one to pay off your loan faster and save on interest.

Thinking of staying for 5-10 years?

An adjustable-rate mortgage (ARM) might be your best bet! By refinancing into an ARM, you can lock in a lower rate for the next few years and enjoy predictable payments with extra cash flow.

Can you comfortably afford the new payment?

Market conditions could affect your new monthly payment. It's essential to understand your ideal payment and loan term, so you’re not caught off guard. We’re here to help by showing you all your options, comparing them, and finding the best fit for your needs. Let’s make sure you’re on the right track!