Selecting a Refinancing Option

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Preston Ware - 20 Years Experience

NMLS License # 216170

 My Direct Line (561) 329-0075

f you are in need of a trusted adviser to help you refinance your mortgage, 
you have come to the right place. 

We Make it Easy!

 We are seeing a run on Refinances at the moment. 

As of the end of 2015, mortgage interest rates dipped. In 2016 for the first six months interest rates have been getting lower with a lot of world wide uncertainty leading to fuel improved pricing.

To evaluate your loan and get an accurate quote, we need to discuss your specific loan scenario. Many, many options are out there!

 A Good starting point is to try to figure out which type of refinance you need. We can start by considering cash out vs rate term refinance. I have pages devoted to each or just keeping reading further on down this page.

If you have questions please call me at 561-329-0075.




Making Your Payments Lower

Are getting reduced monthly payments and an improved rate your main reasons for refinancing? Then the best choice may be a low fixed-rate loan. An ARM (Adjustable Rate Mortgage) or a high fixed rate mortgage are loans that you may want to refinance. Even if rates come up later, unlike with your ARM, when you qualify for a fixed rate mortgage, you set that low interest rate for the life of your mortgage. If you are expecting to live in your home for about five more years, a fixed-rate loan may be an especially good option for you. But if you do expect to sell your home more quickly, you should consider an ARM with a low initial rate in order to achieve lower mortgage payments.

Cashing Out

Are you refinancing mainly to pull out some of your equity for an infusion of cash? It could be you're going on a much needed vacation; you need to pay college tuition for your child; or you are updating your kitchen. With this in mind, you will need to get a loan for more than the balance remaining on your current mortgage.Then you'll want However, if your interest rate is currently high and you have held it for a long time, you could be able to achieve your goals without making your mortgage payments rise.

Consolidating Debt

Do you want to cash out some of your equity to consolidate other debt? Great plan! If you have some debt with higher interest (such as credit cards or car loans), you may be able to pay that debt off with a lower rate loan with your refinance, if you have enough equity.

Getting a Shorter Term Loan

Are you dreaming of paying off your loan faster, while beefing up your home equity faster? If this is your goal, your refinance mortgage can switch you to a loan program with a short, such as a 15 year loan. Your payments will likely be more than with a long-term mortgage loan, but in exchange, you will pay considerably less interest and will build up equity more quickly. However, if you've had your current thirty-year loan for a long time and the remaining balance is rather low, you could be do this without raising your monthly payment — you might even be able to save! To help you understand your options and the numerous benefits of refinancing, please call us at (561) 329-0075. We are here to help you reach your goals!

Curious about refinancing? Call us at (561) 329-0075.

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Looking to refinance your home? Fill out the following form to get a fast quote from us.

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Today's Rates:

Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.91% 4.04%
15-yr Fixed 3.21% 3.38%
1-yr Adj 2.74% 3.4%
* national averages