Setting Your Refinance Goals
Setting Your Refinance Goals
There are as many goals as there are financial situations—and we have you covered. Read on for information based on your objectives
CONSOLIDATE DEBT
Get out from under credit cards, student loans, or other forms of debt
LOWER PAYMENT
Just a small drop in your interest rate can lower your mortgage payment significantly
GET CASH OUT
Tap into your equity for home improvements, retirement, or anything else
CHANGE TO FIXED RATE
Refinancing to a fixed-rate is a great way to stabilize your payment
REFI MY VA LOAN
Refinance an existing VA loan with a streamline refi
Now May be the Time to Refinance
Now May be the Time to Refinance
Let us help guide you through the process
Considering whether to refinance depends on a lot of factors. Your answer to “why” may include wanting to lower your payments, shorten your loan term, or possibly tap into your equity to pay off debt or build a pool in the backyard. Each type of refi has nuances that can affect the type of loan program that is right for you.
The other big factors are your current loan and your current financial picture. You may have improved your credit score, or received a raise—or even gained enough equity to allow for the removal of mortgage insurance. Maybe your original loan was taken out when you thought you were only staying for a few years, and now it doesn’t make sense for a more long-term commitment.
Whatever your why is or what your current financial picture looks like, we’re here to help. We offer a complimentary mortgage checkup to all of our clients. We can take a look at all of the factors and then look at the available options in today’s market and make a recommendation for what makes sense for you. That recommendation may be to sit tight for now, or it might mean you can achieve your goals right away. Either way, we have you covered.
We're Here To Help
We’re always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.
Calculate Your Options
Our calculators make it easy to compare payments and affordability—give them a try!
527 Sycamore Valley Rd W, Danville, CA 94526
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For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.
Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.
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CMG Mortgage, Inc. dba Shining Star Funding, NMLS ID# 1820 (www.nmlsconsumeraccess.org, www.cmghomeloans.com), Equal Housing Opportunity. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing