Find out if now is the right time to refinance! You may be able to reduce your monthly payments or reduce the life of your loan...by getting a lower interest rate or a new loan term. You may also be able to save even more if you use your refinancing to pay off credit card debt or other installment-type loans. That's because interest on your mortgage is tax-deductible, and the interest on other loans is not. Some key reasons to consider refinancing:

- Get a lower-rate mortgage.
- Convert an adjustable rate mortgage to a fixed rate mortgage.
- Consolidate a first and second mortgage into one lower rate mortgage.
- Get cash for family needs and expenses.

The advantages we offer you for your refinancing needs are:

- Low Rates
- Easy Online Application
- All Types of Mortgage Programs
- Guidance & Advice from an experienced Loan ProfessionalT

Here are some answers to questions you may already be asking yourself!!

What about my prepayment penalty?
Most prepays are for two to three years. It will cost exactly the same amount of money if you pay off your existing loan today or one day before that prepay is up. The benefit of refinancing today is the great “forty-year low” rates being offered. If you could save $200-$500 every month, the prepayment penalty is recovered very quickly.

What if I just refinanced a few months ago?
Most of my clients just refinanced within the past couple of months. The benefits remain the same.

What if my credit is bad?
Even if you have credit issues it is in your best interest to find out what exactly I can do for you. It doesn’t cost you anything. You will not be given a ridiculous rate because of late payments, bankruptcy or judgments.

What about the costs, I don’t want to pay that much again?
Fees will be lower than you paid in your last refinance. 

What if I just want to change my interest rate and my loan’s term? I don’t want any cash out.
It is your loan; you don’t have to take out any cash if you don’t need it.

Taking care of the client has always been the “secret of success” for any business; I can promise you competitive rates with phenomenal customer service. I’ve made mortgage lending my life’s work, so I owe it to you and all my other potential clients to give service beyond your expectations.

I understand how this subject may be frustrating for you. Let me assure you that I will make this process as painless as possible. All I am asking for is an opportunity to discuss your current loan with you. I welcome the opportunity to earn your business and will do my best to make you a client for life. At the very least, give me 10 minutes of your time to see how much money I can save you.

Sincerely,

Silvana Sarkis
Broker