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Skip to content * Home * About * Contact * Privacy Policy X CALL US NOW: Tap to show MORTGAGE REFINANCING OPTIONS * calgarymortgages * April 5, 2023 * 12:27 pm Mortgage refinancing options provide borrowers with the freedom to manage their finances better as circumstances alter. They may lower interest rates, lock in a low fixed rate, forgo private mortgage insurance or access the equity in their home for renovations or other expenses. When considering whether mortgage refinancing makes financial sense, many factors must be taken into consideration, including your goals and ability to repay the new loan. The key is figuring out why you want to refinance, then making an informed decision based on that reason. 1. Low interest rate: When considering whether or not to refinance, one of the major considerations is often securing a lower interest rate. But saving thousands of dollars over the course of your loan with such an offer won’t be significant unless you have excellent credit or have had your loan for several years. 2. Consolidate Debt: Refinancing can help you combine all your other debts into one lower-interest loan, such as credit cards or a car loan. 3. Accelerate Equity Gains: You may be able to take advantage of your home’s built-up equity through a cash-out refinance or by combining two mortgages. 4. Lower Monthly Payments: Refinancing can offer another advantage of cutting down on overall costs by reducing the length of your loan term and speeding up mortgage payoff. This way, you’ll save money in the long run! 5. Tax-Deductible Loan: If you use your new mortgage as a source of financing for home improvements, those costs can also be deducted from your taxes. 6. Accessing Equity: If you have built up considerable equity in your home, you can use that to access funds for other projects such as a major purchase or an investment property. 7. Refinancing can be a time-consuming process, so carefully weigh your options before agreeing to a new loan. 8. Costs: The cost of refinancing can vary significantly based on the type and fees associated with it. Typically, you’ll have to pay closing costs, appraisal fees and other miscellaneous costs in order to close on your new loan. 9. No closing cost: Many lenders provide “no-closing-cost” or “zero-closing-cost” mortgage refinancing loans to qualified applicants. 10. Finding the Right Home Loan: When selecting a home loan lender, it’s essential to get expert advice from someone you trust. Your Home Loan Expert will guide you through all available types of loans and help determine which one is most beneficial for your individual situation. 11. Lower Your Monthly Payments: With a lower payment, you may have the funds to pay down your loan faster and potentially save thousands in interest over its life. 12. A cash-out refinance is an attractive option for homeowners with substantial equity in their properties, as this option enables them to borrow against it and pay out a larger amount than what was originally owed. PrevPreviousUnderstanding the Mortgage Broker Process NextCommon Fees & Charges Associated With Using a Mortgage BrokerNext MORTGAGE RATES – WHY IT’S IMPORTANT TO COMPARE RATES 11 April 2023 No Comments Mortgage rates are essential, as they determine how much you pay for your loan and the size of mortgage loan you qualify for. Rates can Read More » THE BENEFITS OF WORKING WITH MORTGAGE BROKERS 10 April 2023 No Comments Mortgage brokers are professionals that assist you in finding and securing a loan for your home. With connections to various lenders, these brokers may be Read More » WHAT DOES A MORTGAGE BROKER DO? 9 April 2023 No Comments What Does a Mortgage Broker Do? A mortgage broker acts as an intermediary between lenders and borrowers seeking mortgage loans. They do not use their Read More » HOW TO LOWER YOUR REAL ESTATE AGENT’S COMMISSION ON HOME 8 April 2023 No Comments How to Lower Your Real Estate Agent’s Commission on Home Sales When buying or selling your home, the real estate agent’s commission can be a Read More » BROKERAGE FEES AND CHARGES EXPLAINED 7 April 2023 No Comments Brokerage Fees and Charges Explained Understanding your brokerage fees is essential for building a strong investment portfolio, whether you’re a day trader or long-term investor. Read More » COMMON FEES & CHARGES ASSOCIATED WITH USING A MORTGAGE BROKER 6 April 2023 No Comments Common Fees & Charges Associated With Using a Mortgage Broker Finding a mortgage can be an extensive and time-consuming process. Utilizing a mortgage broker will Read More » CONTACT US GET IN TOUCH WITH US! First Name * Last Name * Email Address * Subject * Comments / Questions * Send Message Calgary Mortgages is your trusted mortgage broker that offers you the best mortgage rates and terms, so you can save thousands of dollars over the years! * * * USEFUL LINKS * Home * About * Contact * Privacy Policy * Terms Of Service OUR SERVICES * Mortgage Pre Approval * Mortgage Renewal * Mortgage Refinance * First Time Home Buyer Program * Commercial Mortgages * Debt Consolidation CONTACT INFO 500 Royal Oak Dr NW, Calgary, AB T3G 5T5 contact@calgary-mortgages.ca CALL US NOW: Tap to show Copyright © 2023 calgary-mortgages.ca All rights reserved.