Lower Your Rate • Access Equity • Change Loan Terms
Refinancing can help you achieve various financial goals, whether you want to lower your monthly payment, reduce your interest rate, shorten your loan term, or access cash from your home's equity. With over 35 years of experience, I can help you determine if refinancing makes sense for your situation. We offer streamlined processes for qualified borrowers and can often close loans quickly to take advantage of favorable market conditions.
Replace your current mortgage with a new loan that has a lower interest rate or different term length, potentially saving thousands over the life of the loan.
Access your home's equity by refinancing for more than you owe and taking the difference in cash for home improvements, debt consolidation, or other needs.
Simplified refinancing for existing FHA borrowers with reduced documentation, no appraisal required in many cases, and faster processing.
Streamlined refinancing for VA borrowers to reduce interest rates with minimal documentation and no appraisal required in most cases.
If current rates are significantly lower than your existing rate, refinancing could reduce your monthly payment and total interest paid.
Improved financial circumstances often qualify for better interest rates, making refinancing beneficial even if market rates haven't changed much.
Cash-out refinancing allows you to tap into your home's equity for major expenses like home improvements or debt consolidation.
If your home value has increased and you now have 20% equity, refinancing can eliminate private mortgage insurance payments.
Switch from a 30-year to 15-year loan to pay off your home faster, or extend terms to lower monthly payments.
Convert from an adjustable-rate mortgage to a fixed-rate loan for payment stability and predictability.
Discover the advantages of refinancing with Ron Thomas and unlock your home's potential
Reduce your monthly mortgage payment with a lower interest rate or extended term.
Take advantage of lower market rates to save money over the life of your loan.
Pay off your mortgage faster and save on total interest with a shorter loan term.
Cash-out refinancing provides funds for major expenses or investments.
Faster approval and closing process for borrowers who meet streamlined criteria.
Eliminate PMI if your home value has increased and you have sufficient equity.
Use cash-out refinancing to pay off high-interest debt and simplify your finances.
Review your current loan, financial situation, home value, and goals to determine if refinancing makes sense. Contact us for a personalized assessment.
Compare rates and terms from multiple lenders to ensure you're getting the best deal for your situation.
Submit your application with required documentation and lock in your interest rate to protect against increases.
Complete the appraisal process and provide any additional documentation requested by the underwriter.
Sign final documents, pay closing costs, and your new loan will pay off your existing mortgage.
Let's analyze your current loan and see if refinancing could save you money or help you achieve your financial goals.