When refinancing your mortgage you should consider following:

• Do I want to lower my payment ?

• Do I want to restructure my mortgage with today's great rates to shave years off my mortgage? 

It basically boils down to if you are planning on staying in the house long term or not?   

Use the following as a guide to help you:

Lower Monthly Payment : 

• If you are not planning on being in the house long term ( the average young family trades up every 5 years) and, you are in a real estate market that is providing a rise in property values. Cutting your monthly expense is an option. This frees up funds to payoff credit cards, car loans and, etc. This can help your financial well being here and now.

Restructure your mortgage:

• You can take today's rates and translate the savings into around same monthly payment and instead of a 30 year mortgage have a 25 to 10 year mortgage. Imagine that, paying off your house sooner with the same payment! Take your monthly payment multiply that by 12 then, multiply that by the number of years you eliminate and that's your savings. That could be hundred thousand dollars or more! This could permit you not to worry about college for your kids, the ability to retire early or,  pay for your daughters wedding.  DUE TO THE FACT YOU PAID OFF YOUR HOUSE AND NO LONGER HAVE A MORTGAGE PAYMENT!

The choice is simple, would like to save money today or, in the future?

Call 239 671 8248 for todays rates!

No matter what!

You save!