Loan Options Network:

Loan Options Network

images/refinance_loans_03.jpg

Quick Application

First Name:
Last Name:
Phone:
Email:
Desired Loan Amount:
Please type the characters seen in the image below.

Client Testimonial:

Two and a half years ago, my wife and I responded to a mailer from Sam June concerning our mortgage and the prospects of securing a lower interest rate. It was the first and only time in my life as a consumer that I’ve taken the time to respond to what we all refer to as “junk mail”—but our interest rate was over 9 per cent and there was no new news that would have been any worse than what we had.

Within 3 weeks, we had our loan at 7 percent. It gets better.

On the first anniversary of that new loan, I called Sam again—just to see what was out there. Within three weeks, we had a fifteen year fixed mortgage at a much lower rate.

I’ve never met Sam June, never been in his office, nor he in mine. But there’s a perceptible sincerity and “no bull” approach one is met with immediately upon talking to Sam that I can vouch for. The first anniversary of our fifteen year fixed mortgage will be here within 60 days or so. I still have Sam’s number, so don’t keep him on the phone too long.

William and Kathy Rohr
Palm Springs, CA

Left Navigation Dotted Line

Loan Options Network

Refinance for Savings

If you're amazed by low interest rates and dream of reducing your monthly mortgage payments, if you foresee a major expense like college tuition or a new car, or if you simply want to pay off credit card debts with a better interest rate that may also be tax deductible, you might just get what you wish for.

Some of the primary reasons for refinancing are to lower monthly payments, pay off an auto or personal loan, build equity faster, convert an adjustable rate mortgage (ARM) into a fixed-rate mortgage, or change other loan terms.

If you can refinance today with a "no-cost" loan at a lower interest rate -- meaning you pay no points or closing costs, and the interest rate is actually lower than your current rate -- run, don't walk to our office or APPLY NOW.

As a next step, ask yourself these three questions, and see why they're so important:

How long do you plan to stay in your home?
The most important question you can ask when considering refinancing is: Will you be in your home long enough to reap the benefits despite its costs? If you plan to be in your home two years or less, you should consider a zero cost loan. If you know you'll be in your current house for three years or more, refinancing could make for substantial savings.

What will a refinance cost you in points, transaction fees, and other closing costs?
Ask us for an amortization chart showing you the real expense of pre-paying interest points and for a modified Annual Percentage Rate (APR) spreadsheet combining these costs over the years you estimate keeping your home. If you're considering a no-points loan, start saving today!!!

How long have you held your current mortgage?
If you're on the "back end" of a fixed-rate loan -- meaning you've already taken advantage of most of your tax-deductible interest -- taking out a new loan could be beneficial, since you can deduct the interest and prorated points year by year. **

Finally, even if refinancing isn't a good choice today, we will be willing to suggest loan options to adapt to your current home needs.

** Ask your tax advisor

Bottom Bar

Equal Housing Lender