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Benefits

Refinancing your home can help you improve your financial situation in a number of ways, including:

  • Obtaining a lower interest rate to reduce monthly payments and potentially save money

  • Shortening the term on your mortgage (for example, going from a 30-year mortgage to a

  • 15-year loan structure)

  • Consolidating multiple higher-interest debts into one easy-to-manage loan

  • Converting your existing mortgage from an adjustable rate to a fixed rate mortgage with stable monthly payments

  • Converting multiple mortgages into one mortgage 

Our 6 Step Process

  1. Free Refinance Consultation - We'll meet with you to discuss whether refinancing makes sense for your financial situation.

  2. Application - Apply for a refinance either online or directly with us.  We'll help you decide which program is the best option for you. 

  3. Underwriting - After you've submitted your documents, our underwriters will review your loan and verify all of your information.  If necessary, we will order an appraisal to help establish your property's market value. 

  4. Conditional Approval - Our underwriters will issue a conditional approval and request any additional items they may need to fully approve your loan.

  5. Final Underwriting - Our underwriter will do a final loan review and issue a final approval.  Once complete, your loan is clear to close.

  6. Closing - We will reach out to confirm the date and location of your closing and let you know the amount you will need to bring with you to closing.  

Do's and Don'ts

Do

  • Do thoroughly complete your application

  • Do respond promptly to questions and requests

  • Do disclose all of your liabilities and credit history

  • Do make yourself available as your closing date approaches

Don't

  • Don't co-sign on a loan or lease for anyone

  • Don't make any major purchases (ie: vehicles, appliances, furniture, etc.)  

  • Don't open any new lines of credit or let your payments fall behind

  • Don't move money around or make large deposits into your bank accounts

  • don't use large amounts of cash or untraceable money

  • Don't make a career change, become self-employed, quit your job, or retire

Refinance Programs

  • Conventional Refinance

  • Cash-Out Refinance

  • Unlimited Jumbo Cash-Out Refinance

  • FHA 203(k) Refinance

  • FHA Streamline Refinance

  • VA Streamline Refinance

  • USDA Rural Streamline Refinance

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Phone

(770) 771-6114

Email

wildfiremortageteam@gmail.com

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