Refinance Your Mortgage & Save More
Looking to lower your interest rate, reduce your monthly payments, or access your home's equity? Align Lending help's you achieve your financial goals.
Whether you want to shorten your loan term, consolidate debt, or cash out equity, our expert guidance make refinancing simple.
Thinking about Refinancing?
Refinancing your mortgage can help you secure a lower interest rate, reduce your monthly payments, or achieve other financial goals. If rates have dropped since you last financed your home, refinancing could be a smart move.
Other common reasons to refinance include:
✔ Switching from an adjustable-rate mortgage (ARM) to a fixed-rate loan
✔ Paying off a balloon payment
✔ Accessing your home’s equity with a cash-out refinance
Why Cash Out? Homeowners often refinance to tap into home equity for:
🏡 Home improvements
🎓 Education expenses
💳 Debt consolidation
Another option for accessing your home’s equity is a home equity loan. This can be a great alternative if your current mortgage has a lower rate than today’s market rates or if you have a prepayment penalty on your existing loan.
At Align Lending, we’ll help you explore the best options based on your financial goals. Let’s discuss your refinancing options today!
To Refinance you'll need:
- Current Appraisal and Analysis
- Verification of Assets and Income
- Click Here to Apply Now
- Click Here To See Paperwork Needed
Discover Your Options
Top Reasons to Refinance Your Mortgage
📉 Lower Your Interest Rate – If you have a fixed-rate mortgage with a high interest rate, refinancing can help you secure a lower rate and reduce your monthly payments.
🔄 Switch from an Adjustable-Rate Mortgage (ARM) to a Fixed-Rate Loan – Lock in a stable interest rate to avoid future rate increases.
🏡 Consolidate Multiple Mortgages – Merge two loans into one for easier management and potential savings.
⏳ Shorten Your Loan Term – Pay off your home faster and build equity more quickly by refinancing to a shorter-term mortgage.
💰 Extend Your Loan Term – If you need to lower your monthly payments, refinancing to a longer-term loan can provide financial flexibility.
📈 Move from an Interest-Only Loan to a Traditional Mortgage – Start building equity by paying down the principal instead of just covering interest.
💵 Tap Into Your Home Equity – Get cash out for home improvements, major purchases, or debt consolidation.
At Align Lending, we’ll help you explore the best refinancing options for your financial goals. Let’s get started today! 🚀
Four Common Refinancing Options
Cash-Out Refinance
Refinance your mortgage for more than you currently owe and convert the difference into cash from your home’s equity. Use the funds for home improvements, debt consolidation, or major expenses.
Lower Fixed-Rate Loan
If you have a high fixed-rate mortgage or an adjustable-rate mortgage (ARM), refinancing to a lower fixed-rate loan can provide long-term stability. Lock in a lower rate now to protect against future market fluctuations, especially if you plan to stay in your home for at least five years.
Shorter-Term Loan
Want to pay off your mortgage faster and build equity quicker? Refinancing to a shorter-term loan (e.g., from a 30-year to a 15-year mortgage) can save you thousands in interest. While your monthly payments may increase, you’ll pay off your home sooner and enjoy potential tax benefits. In some cases, if you’ve had your loan for several years, you may even refinance to a shorter term without increasing your monthly payment.
Longer-Term Loan
If you need to lower your monthly payments, refinancing to a longer-term loan can provide financial relief by spreading out your payments over a longer period. This is a great option if your current mortgage payments are higher than what’s comfortable for your budget.
Unlock your home's hidden potential today:
Tap Into Your Home Equity
Convert your built-up home value into cash for renovations, debt consolidation, education, or major expenses.
Boost your Budget
Lower your monthly mortgage payments and free up more cash for travel, hobbies, or quality family time.
Save on interest
Reduce high-interest debt and keep more money in your pocket by securing a lower mortgage rate.
At Align Lending, we make refinancing easy. Let’s put your home’s equity to work for you today! 🚀
Apply Today!
It all starts with an accepted offer.
If you plan on buying a home in the future, learn more about conventional purchase, FHA, and VA loans. Do you have any questions about the home buying or mortgage pre-approval process, or are curious about how much of a mortgage you qualify for? Reach out to the licensed loan officers at River City Mortgage.
It’s our mission to help you get into your dream home.
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