Vision Home Mortgage - Offering Refinances in Nevada
Exploring Refinance Loans
When you refinance your mortgage on your home you are paying off your current mortgage with a new mortgage which will have new terms depending on what your goals are. All loan types offer a refinance option whether it's FHA, VA, USDA, Conventional or Non-QM. A Rate and Term Refinance is for when you want to lower your mortgage payment and is usually consisted of either one or a combination of reducing the interest rate, reducing or removing the mortgage insurance, and increasing or decreasing the term of the mortgage which is typically consisted of 15 or 30-year terms. 30-year mortgages are usually the "go-to" term in order to keep the payment lower but if your goal is to pay it off faster then the 15-year is the next runner-up. A Cash-out Refinance is for when you want to pull money out of the equity of your home for whatever your goals are. Common reasons people pull cash out are to pay off debt, invest, put your kid through college, go on vacation, or even just have some savings in the bank. Refinancing is a faster process than purchasing and can take as little as 2 weeks as long as there are no extenuating circumstances.
Types of Refinancing:
A streamlined refinance is offered by VA (a VA IRRL), and FHA. This is an option to refinance rate and term without needing income documentation. This is a refinance option offered by most lenders to either reduce your interest rate or reduce your mortgage term. Reducing the monthly interest rate will usually lower your payment but may also restart your payment clock. Reducing your mortgage term will typically make payments go up since you are reducing the time frame you have to make the payments.
This is a refinance option offered by most lenders and allows you to pull out cash from the equity of your home. Usually, this is done with the goal of paying off debt, investing, college, vacation, or even just having some money in the banks. You have the option to take cash out with a conventional loan, VA loan, and FHA loan.
There are many reasons to refinance your home loan. Maybe you are looking to lower your interest rates as well as payments. Maybe you are looking to lower your loan term and pay it off sooner? You may also be trying to drop your mortgage insurance already on your current loan. Whatever your reason is, let us at Vision Home Mortgage go through the benefits of your refinance.
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