One of the purposes of refinancing is to save money BEFORE RATES INCREASE. Your goal may be to minimize your expense over the life of the loan or to minimize your monthly payment in the near future. How does your current loan compare to others available in today's market? Call me at 619) 518-0476 or email me at andrea964@aol.com with your loan scenario so we can determine if it is cost effective to refinance your present loan. No obligation.

Here are some reasons you might consider refinancing your current loan:
- Your plans have changed on how long you will own the property,
- You have a fixed rate loan and can refinance with an adjustable rate loan at a lower rate,
- You have an Adjustable Rate Mortgage, which is about to increase and you are not pleased with the new fixed mortgage rate,
- You have an adjustable rate and you want the stability and certainty of a fixed rate loan,
- You have a "balloon loan" that needs to be refinanced,
- You need a "cash out" refinance to pay off debt, do home improvements... ,
- You have cash flow issues and would consider an “interest only” payment loan

Call me at 619) 518-0476 or e-mail me at andrea964@aol.com for A NO OBLIGATION MORTGAGE ANALYSIS and we will determine if you are a candidate for refinancing. I will be happy to monitor your mortgage on a regular basis, and notify you when it makes sense for you to refinance .