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Mortgage Refinancing Help
: Business: Financial Services: Mortgages: Regional: United States
: North Carolina (11)
 Refinacing your mortgage can allow you to take cash out of the equity which you have built in your home. You can pay off your higher interest debts and pay all of your debts at a lower interest rate. This will allow you to save money on a monthly basis and achieve your financial security.
 See also:
 North Carolina Association Of Mortgage Professionals »
Trade group promotes knowledge and understanding of the profession. Features conferences, education, membership information, legislative concerns, database of members.
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 AA Carolina Mortgage »
A full service brokerage company. Includes loan programs, document checklist, testimonials, online application.
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 First Financial Services, Inc. »
Residential lenders. Includes loan programs and company directory. Locations across the state.
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 Carolina Mortgage Company »
Offers conventional and government loan programs to assist with purchasing or refinancing. Features officers, locations, services.
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 AmeriSouth »
Provides residential services. Includes information on loan packages, current rates and calculator. Based in Charlotte.
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 Myers Park Mortgage »
Provides residential financing. Features rates, calculators, loan programs, company overview.
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 LFS Home Loans »
Locally owned and operated firm offers residential and commercial financing. Features company overview and loan programs. Based in Cary.
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 AAXA Discount Mortgage »
Offers home financing, refinancing and equity lines. Features specialty loans, tools, testimonials. Headquarters in Wilmington.
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 DNJ Mortgage »
Provides residential financing. Includes loan programs and FAQs. Based in Cary.
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 Assured Financial Mortgage, Inc. »
Providing a variety of loan programs. Features online mortgage calculators, interest rates and secure applications.
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 Thies Realty & Mortgage Company »
Specializes in mortgage banking and related real estate services in Charlotte, North Carolina.
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 Be specific about the loan you want. The more precise you are, the easier it will be for a loan officer or mortgage broker to find the best rate. For example, do you want a 15-year or 30-year mortgage? Do you need a "jumbo" mortgage (more than $333,700)? Are you willing to pay points to reduce the interest rate? The answers to these questions will depend on several factors, including when you plan to sell the house and how soon you want to retire your debt. Only you know the answers, but the sooner you know them, the better.
Once you know the reason for refinancing, you should ask your mortgage specialist whether or not it would be beneficial for you to refinance at this time or whether it may be more beneficial to wait.
There is no such limit on the number of times you can go for home refinance loans. Most lenders prefer that you have no late payment for the past 12 months before you switch over to a new loan.
Lenders like pristine credit reports. If you have a bunch of open credit card accounts that you never use (and who doesn't?), consider closing them. It will boost your credit score and make you a much more attractive borrower to a lender. Then, a month after you've closed your accounts, go over your credit report with a fine-tooth comb. It should read that the accounts were closed at your request. (You don't want lenders to think someone cut you off and that you're a bad credit risk.)
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