It Depends. How long do you plan to live in your current home? What is your present interest rate? Is it fixed or adjustable? Do you have a 2^nd mortgage? Do you need to pull out some equity for any reason? Are you presently paying PMI insurance?

Depending on how you answered these questions, it may or may not make sense for you to refinance.

It may make sense to refinance if you:

• Have a fixed rate above 8%
• Have and adjustable
• Have both a 1^st and 2^nd mortgage
• Are paying PMI insurance
• Need to consolidate high interest rate credit card bills into a tax deductible mortgage*
• Need home improvements
• Think that you will be selling your home in 3 to 10 years
• Would like to enjoy a below market fixed rate for 3 to 10 years before it adjusts to a variable rate loan.

* Consult your tax advisor.

Pre-Qualify now to see if it makes sense for you to refinance. If it doesn't, we'll be the first to tell you.