Refinance Your Mortgage
Lower payment? Cash back? Faster payoff? Find
out how refinancing can help you meet your goal.
We’ll help make your first home buying experience a breeze! Call (714)925-2419 or fill out the form to get started.
Find answers quickly online
With HHRE, our faster, simpler and totally online way to get a mortgage, you can quickly see how much you can afford and customize your mortgage options.Get Started
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See Today’s Mortgage Rates
Want to find out if refinancing is right for you? A good way to start is by looking at the current mortgage rates. Don’t forget – rates change daily based on the market, so if you like what you see, make sure to talk to a Home Loan Expert to get your personalized rate and lock it in as soon as possible.
What’s Your Goal?
Deciding if it makes sense to refinance your home depends on a number of factors, but it starts with one question: What do you want out of your refinance? Here are some of the main reasons homeowners decide to refinance their mortgage:
*Lower your monthly payment
*Pay off your mortgage faster
*Get cash from your home
*Consolidate your debt
*Earn more from your investment property
Talk to a Home Loan Expert or use our refinance calculator to see if refinancing your home can help you meet your financial goals.
What to Know Before You Refinance Your Home
What does it mean to refinance? Refinancing is the act of taking on a new loan with different terms. Reasons for refinancing your mortgage include lowering your payment, shortening your term or using the equity you’ve built up over time to get cash back out of your home.
Why you should choose H-H Real Estate
Only HHRE offers you the Closing Cost Cutter and PMI Advantage. Find out how these great options can help guide you to the best decision to meet your financial needs.
We’re a nation wide online lender according to National Mortgage outlets
Our professional & knowledgeable team let you track your mortgage process from start to finish, and our Mortgage Calculator app gives you rates right on your phone.
We have an A+ rating with the Better Business Bureau.
Want to be more confident in your credit and monitor your report and score through your home purchase process? Check out HHRE today. Creating an account is free and won’t affect your credit score.
Frequently Asked Questions
How much house can I afford?
Start with how much you want to spend each month on housing. Most budgets call for earmarking 28% of your post-tax income for house payments, including your homeowners insurance and property tax. For example, if your annual income after taxes is $60,000, 28% of that is $16,800, or $1,400 per month. However, every situation is different. Maybe you have costs in your monthly budget that affect your bottom line, such as childcare, car payments, or student loans – the important thing is to find a monthly payment that you’re comfortable with.
How do I find out the cost of homeowners insurance and property taxes?
Based on where you live and what kind of policy you want, your property taxes and homeowners insurance can vary widely. You can usually get a quick estimate on homeowners insurance by visiting a provider’s website – try getting a few quotes to find a competitive price. To see what kind of taxes you might pay, you can ask your real estate agent to help you research the tax rate in the areas where you’re house hunting, or you can visit the county tax assessor’s website to find public records of taxes on homes in the neighborhoods where you want to live. Many states also provide a property tax estimator online.
Should I buy a house?
If you’re thinking about buying a home, there are a number of factors that can help you decide if now is the right time. Are mortgage rates low? Are you planning to live in the same city for the next five or more years? Are rents rising in your city? Do you want to customize your home? If the answer to most of these questions is “yes,” then buying a home is a good option for you. Check out this article for a deeper look at the pros and cons of buying a home versus renting.
Buying a home can be scary – check out these inspiring stories of homeownership to see how you can #BeBrave, too.
What are closing costs?
Mortgage closing costs, also known as settlement costs, are fees charged for services that must be performed to process and close your loan application. Examples of mortgage closing costs include title fees, recording fees, appraisal fees, credit report fees, pest inspection, attorney’s fees, taxes and surveying fees. The closing cost of a loan will vary depending on your geographic location.
Lenders are required by law to provide you with two documents – the Loan Estimate and the Closing Disclosure – which outline your closing costs and help you avoid surprises at the closing table. For more information regarding the loan process through Quicken Loans, call (714) 925-2419 to talk with a Home Loan Expert today.