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With the low interest rate mortgages available right now, why should you feel trapped in a 30 year mortgage? Right now, The Home Loan Expert, Ryan Kelley is offering a loan program called a “Rate and Term” Refinance. What that means is, we take your current mortgage, lower your rate, and shorten the commitment from a 30-year to a 20 or even a 15. Depending on the rate, your monthly payment may not even go up. This could save you thousands of dollars over the course of your mortgage in interest.

Chicago RefinanceA refinance can be used for a lot of different reasons. You can also do a cash-out refinance, where we can hand you a check at the end of the process, or we can pay off your bills for you. Nothing makes us happier than doing a refinance, lowering a customer’s interest rate and giving them the cash they need to pay off credit cards, student loans, vehicles, boats and home improvement projects. With home values going up, there’s never been a better time to pull out cash from your home and stop paying those high credit card rates. You could refinance just to lower your monthly payment. Whatever the reason, you need to take advantage of the low rates available right now before they go back up this fall.

That’s right, low interest rates won’t be here forever. It’s very time sensitive. Check your mortgage rate today. If your rate is not in the 3’s, you need to call right now. We can refinance you with a conventional, FHA, HARP, VA, USDA, or a Jumbo Loan to make your monthly payments easier.