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Empire Lending
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Empire Lending is a Mortgage Company specializing in helping people save. By taking the time to answer your questions we are able to place you in the loan that best fits your needs whether you have perfect credit or not so perfect credit we can make it happen! Here`s the best part, if you call now we can show you how to get a free appraisal with loan approval! |
Address: Murrieta, CA, 92563 Click here for see the full address Website: Empire Lending | Phone Number |
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Refinance Considerations When you're making your decision, there are several things to keep in mind. Refinance Once Then Do It Again When rates fall steadily, refinancing may make sense even if you have done so once already. Build Home Equity Faster Many borrowers use a refinance to shorten the term of the mortgage. Get Your Hands on Some Cash Another way to make a refinance work for you is to refinance for more than the balance remaining on your old mortgage -- in effect, tapping your home equity, or "cashing out," in mortgage speak. Trade Your ARM for a Fixed Rate By switching to a fixed rate loan, you will not only reduce your payment, you will also likely lock in an attractive rate for as long as you own your home. Mortgage Refinance Costs When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay most of the same costs you paid to get your original mortgage. Analyze Your Savings Check the market closely to determine the available rates and the costs associated with refinancing. These costs can include items such as an appraisal and other various fees and points. Paying Points for a Lower Rate In refinancing, a mortgage company usually offers a range of interest rates at different amounts of points. Your Personal Income Taxes With a lower interest rate on your home loan, you will have less interest to deduct on your income tax return. That, of course, may increase your tax payments and decrease the total savings you might obtain from a new, lower interest mortgage. Consider Other Mortgage Programs If you are thinking about refinancing your mortgage, you might want to consider other types of mortgages. For example, you might want to look into a 15-year fixed rate mortgage. Deciding to Refinance Traditionally, the decision on whether or not to refinance has meant balancing the savings of a lower monthly payment against the costs of refinancing.
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Contact here
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Address and Phone Number 29970 Technology Dr.Suite 214 Murrieta, CA, 92563
Website: Empire Lending We specialize in first and second mortgages, debt consolidation, refinance, and bankruptcies. Shop for a loan with our interactive calculators and co |
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