Are you thinking about refinancing? Whether to lower the rate on your loan or take out cash, you've come to the right place. House Mortgage offers a no closing cost refinance program! That's right -- you don't pay a dime at closing. We cover all of the closing costs for you including appraisal, underwriting, title searches and insurance.

There are two basic types of refinances: a "rate and term" refinance where you reduce the term of your loan or the interest rate (or both). With this type of refinance, you want to compare your current loan terms and remaining balance with the benefits you will get once you refinance to a new loan with a new rate. Contact House Mortgage with your recent mortgage statement in hand and they can help you determine if refinancing will save you money.

The other type of refinance is called a "cash out" refinance, which is when you increase your loan amount so you can walk away with cash at the closing. You might want the cash to do home improvements or fund your retirement account or pay for school tuition. If you're not sure if you qualify to carry a larger mortgage and what today's rates are, contact House Mortgage. Our loan officers will ask you a few questions so they can give you a rate quote and determine if you would qualify for the new loan.

We even have programs for self-employed borrowers who need an alternative to relying on tax returns to qualify. 

Whether you're doing a rate and term refinance or a cash out refinance, House Mortgage can help you save money!

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