{"id":5326,"date":"2025-09-22T18:41:26","date_gmt":"2025-09-22T18:41:26","guid":{"rendered":"https:\/\/cityviewmortgage.com\/?page_id=5326"},"modified":"2025-09-22T18:59:08","modified_gmt":"2025-09-22T18:59:08","slug":"refinancing","status":"publish","type":"page","link":"https:\/\/cityviewmortgage.com\/?page_id=5326","title":{"rendered":"Refinancing"},"content":{"rendered":"
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Which Refinancing Option is Right for You?<\/h2>\n <\/div>\n <\/div>\n
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There aren’t as many refinance loan options as there are applicants, but it seems like it sometimes! Call us at (702) 835-9202 and we will work with you to qualify you for the right loan program for your situation. What do you hope\n to achieve with your refinance loan? Considering in mind the information below will help you narrow your choices.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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Making Your Payments Lower<\/span><\/h5>\n <\/div>\n <\/div>\n
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Are you refinancing primarily to lower your rate and monthly payments? If so, a good option might be a low fixed-rate loan. Maybe you now have a higher rate fixed rate mortgage, or perhaps you have an ARM \u2014 adjustable rate\n mortgage \u2014 where the interest rate varies. Even when rates come up later, unlike with your ARM, when you get a fixed rate mortgage, you set that low rate for the life of your mortgage. This can be particularly a good choice\n if you aren’t planning a move within the next 5 years or so. However, an ARM with a low initial payment could be a smarter way to lower your payments if you expect to move within the near future.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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Paying it off Faster<\/span><\/h5>\n <\/div>\n <\/div>\n
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Are you dreaming of paying your loan off more quickly, while building up your equity faster? Then, you’ll need to find out about refinancing to a short term mortgage – for example, a fifteen-year mortgage loan. Your payments\n will likely be more than with a longer term loan, but the pay-off is: that you will pay quite a bit less interest and can build up equity more quickly. But, you might be able to switch without a higher monthly mortgage\n payment if your longer term mortgage was closed a while back, and the remaining balance is low. You could even make it lower! To help you determine your options and the multiple benefits in refinancing, please call us at\n
(702) 835-9202. We are here for you.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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Consolidating Your Debt<\/span><\/h5>\n <\/div>\n <\/div>\n
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Maybe you’d like to pull out some equity in your home (cash out) to put toward other debt. If you hold any higher interest debts (like credit cards or vehicle loans), you might be able to pay that debt off with a lower rate\n loan through your refinance, if you have the right amount of home equity.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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Cashing Out<\/span><\/h5>\n <\/div>\n <\/div>\n
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Is your refinance goal primarily to “cash out” some home equity? Perhaps you’re going on a much needed vacation; you need to pay tuition for your college-bound child; or you are planning some home improvements. Then you will\n want to get a loan higher than the balance remaining on your current mortgage.With this goal, you’ll You’ll be looking for a loan for more than the current balance of your present mortgage in that case. However, if your\n mortgage rate is high now and you’ve held it for a long time, you could be able to accomplish your goals without an increase in your mortgage payment.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Which Refinancing Option is Right for You? There aren’t as many refinance loan options as there are applicants, but it seems like it sometimes! Call us at (702) 835-9202 and we will work with you to qualify you for the right loan program for your situation. What do you hope to achieve with your refinance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width-page.php","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-5326","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/5326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5326"}],"version-history":[{"count":6,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/5326\/revisions"}],"predecessor-version":[{"id":5368,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/5326\/revisions\/5368"}],"wp:attachment":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}