Refinancing
Thomas will compare with any and all other lenders approving you for financing and will always provide the best loan terms for you! Refinancing your home loan is about getting better terms than your current loan, shortening the term to pay your home off quicker, consolidating debt reducing the total monthly cash outlay allowing non-income-taxable cash out from your home’s dormant equity for any reason you see fit. The idea of refinancing your home may be daunting, scary or even can feel like a hassle. Thomas’ deep understanding and efficiency will reduce this to a simple process where you will be informed up front and know what to expect before it happens. He says what he will do and does what he says.
Benefits of Refinancing home loans with Thomas R. Hocking!
Low-interest rates!
Have you bought a house at a higher interest rate than the current market?
Change your adjustable-rate mortgage to a fixed-rate home loan to eliminate further risk?
Refinancing home loans with Thomas for a lower interest fixed rate eliminates risk and even allows the option of cash out or consolidation!
Thomas will compare with any and all other lenders approving you for financing and will always provide the best loan terms for you!
Use equity for other uses!
With a “cash-out” refinance you can consolidate debt reducing the total monthly cash outlay allowing non-income-taxable cash out from your home’s dormant equity for any reason you see fit for other factors such as home improvement, tuition fees, or other investments. Thomas will compare with any and all other lenders approving you for financing and will always provide the best loan terms for you!
Pay off your home loan early!
Thomas can shorten your home loan to 25, 20, 15 or a 10-year loan options. The shorter the loan term, the lower the interest rate. If shortening your loan term causes payment to increase due to paying off same balance faster you can look at cash out options to consolidate other monthly bills thereby obtaining the same or less monthly cash outlay you currently have creating a win-win to pay off your home faster and be debt free. Thomas will compare with any loan approval anytime to ensure you get the best possible loan terms!
Reduce your monthly mortgage payment!
Can’t afford mortgage payments?
Thomas will show you options to consolidate other monthly financial obligations into 1 lower monthly payment thereby lowering your total monthly cash outlay. With lower monthly cash outlay, you can even look at shortening the term of your home loan to pay your home off faster and still save monthly out of pocket cash. Thomas will compare with any loan approval anytime to ensure you get the best possible loan terms.
Call today for a FREE, NO OBLIGATION HOME LOAN OPTIONS!
Consolidate your debt!
Do you have any other loans such as student loans, medical bills, or high credit card balances? You may want to do home improvements. You can refinance and consolidate these other balances at same time get home improvement cash out and lower your monthly cash outlay. Thomas will compare with any and all other lenders approving you for financing and will always provide the best loan terms for you!
Call today for a FREE, NO OBLIGATION HOME LOAN OPTIONS!
Get funding for home improvement or repairs
Home equity mortgages are structured by an increase in the value of the home or a combination of the two. As a borrower, you can refinance the money to access the equity you have built up. This money can be used for a variety of purposes – such as home improvement or repairs, high-interest payments, or pay for large expenses such as medical bills, legal expenses, and college education.
