[/av_heading] [/av_two_fifth] [/av_section] [av_section min_height=’custom’ min_height_px=’150px’ padding=’no-padding’ shadow=’no-border-styling’ bottom_border=’no-border-styling’ bottom_border_diagonal_color=’#333333′ bottom_border_diagonal_direction=” bottom_border_style=” custom_arrow_bg=” id=” color=’main_color’ custom_bg=’#a7c4e8′ src=” attachment=” attachment_size=” attach=’scroll’ position=’top left’ repeat=’no-repeat’ video=” video_ratio=’16:9′ overlay_opacity=’0.5′ overlay_color=” overlay_pattern=” overlay_custom_pattern=” av_element_hidden_in_editor=’0′] [av_one_third first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’SCHEDULE A MORTGAGE REVIEW’ link=’manually,https://lam.corephp.org/contact/’ link_target=” size=’x-large’ position=’center’ icon_select=’yes’ icon=’ue836′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_third][av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’CALL US TODAY’ link=’manually,tel:651-209-2900′ link_target=” size=’x-large’ position=’center’ icon_select=’yes’ icon=’ue854′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_third][av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’MORTGAGE LOAN OFFICERS’ link=’page,204′ link_target=” size=’x-large’ position=’center’ icon_select=’yes’ icon=’ue80b’ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_third] [/av_section] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
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Thinking About Refinancing Your Mortgage?
[/av_textblock] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]We’re here to help you take the next step. Lake Area Mortgage can help you determine whether refinancing is right for you.
[/av_textblock] [av_one_fifth first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’Conventional’ link=’manually,#conventional’ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_one_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’FHA’ link=’manually,#fha’ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_one_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’USDA’ link=’manually,#usda’ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_one_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’VA’ link=’manually,#va’ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_one_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’Lot & Land Loans’ link=’manually,#lotandland2′ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_section min_height=’25’ min_height_px=’500px’ padding=’default’ shadow=’no-shadow’ bottom_border=’no-border-styling’ bottom_border_diagonal_color=’#333333′ bottom_border_diagonal_direction=” bottom_border_style=” custom_arrow_bg=” id=’conventional’ color=’main_color’ custom_bg=” src=’https://lam.corephp.org/wp-content/uploads/2018/10/Conv.-Refi-1500×630.jpg’ attachment=’556′ attachment_size=’featured_large’ attach=’parallax’ position=’center center’ repeat=’stretch’ video=” video_ratio=’16:9′ overlay_enable=’aviaTBoverlay_enable’ overlay_opacity=’0.5′ overlay_color=’#00306e’ overlay_pattern=” overlay_custom_pattern=” av_element_hidden_in_editor=’0′] [av_heading heading=’Conventional Refinance’ tag=’h1′ style=’blockquote modern-quote modern-centered’ size=’50’ subheading_active=’subheading_below’ subheading_size=’20’ padding=’10’ color=’custom-color-heading’ custom_font=’#ffffff’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] Lock in a better deal on your primary residence, second home, or investment property! There are two common types of refinancing, each with their own benefits:[/av_heading] [/av_section] [av_one_half first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_heading heading=’Rate-Term‘ tag=’h2′ style=’blockquote modern-quote’ size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] The benefits to this option are right in the title:
[/av_heading] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] • May shorten your loan term
• May lower your interest rate (which may also lower your monthly payment)
In many cases, we are also able to help reduce or completely remove mortgage insurance!
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[av_heading heading=’Cash-Out‘ tag=’h2′ style=’blockquote modern-quote’ size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
This refinancing option gives you the opportunity to use the equity in your home, second home, or investment property for extra funds. These funds can then be used for:
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• Consolidating debt
• Financing home improvements
• Purchasing an investment property
The possibilities are almost endless!
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Regardless of refinancing options or opportunities, if you haven’t taken a look at your current mortgage situation in a while, reach out to us for a comprehensive mortgage review! It’s good practice to do this once per year or when your financial situation changes.
[/av_textblock] [/av_one_full] [av_button label=’Talk to a Mortgage Loan Officer’ link=’page,204′ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [av_hr class=’invisible’ height=’25’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ admin_preview_bg=”] [av_section min_height=’25’ min_height_px=’500px’ padding=’default’ shadow=’no-shadow’ bottom_border=’no-border-styling’ bottom_border_diagonal_color=’#333333′ bottom_border_diagonal_direction=” bottom_border_style=” custom_arrow_bg=” id=’fha’ color=’main_color’ custom_bg=” src=’https://lam.corephp.org/wp-content/uploads/2018/10/FHA-Refi-1500×630.jpeg’ attachment=’560′ attachment_size=’featured_large’ attach=’parallax’ position=’center center’ repeat=’stretch’ video=” video_ratio=’16:9′ overlay_enable=’aviaTBoverlay_enable’ overlay_opacity=’0.5′ overlay_color=’#00306e’ overlay_pattern=” overlay_custom_pattern=” av_element_hidden_in_editor=’0′] [av_heading heading=’FHA Refinance’ tag=’h1′ style=’blockquote modern-quote modern-centered’ size=’50’ subheading_active=’subheading_below’ subheading_size=’20’ padding=’10’ color=’custom-color-heading’ custom_font=’#ffffff’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] This refinancing option gives homeowners with FHA loans an opportunity to experience the benefits of refinancing. There are three types of FHA refinance loans:[/av_heading] [/av_section] [av_one_third first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_heading heading=’Rate-Term‘ tag=’h2′ style=’blockquote modern-quote’ size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] Like a conventional rate-term refinance, FHA borrowers may be able to use this option to:
[/av_heading] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] • Shorten your loan term
• Lower your interest rate (which may lower your monthly payment)
• Reduce or eliminate mortgage insurance
Your property may need to be re-appraised.
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This refinancing option gives you the opportunity to use the equity in your home for extra funds. These funds can then be used for:
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• Consolidating Debt
• Financing home improvements
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[av_heading heading=’FHA Streamline‘ tag=’h2′ style=’blockquote modern-quote’ size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
This refinancing option is exclusively available to borrowers who currently have an FHA loan. For those who qualify for this program, the benefits can include:
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• Permanently lowering their monthly payments
• Re-appraisal not required
• Use original purchase price as the current value
• Zero closing costs option (for qualified homeowners)
*For FHA Streamline, you must have owned the property for at least 6 months and be current with your mortgage payments to qualify.
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USDA Loans are easily refinanced! Refinancing could be a good move, even if you owe more on the house than its current value!
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USDA Loans are easily refinanced! Refinancing could be a good move, even if you owe more on the house than its current value!
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• No appraisal, inspection, or credit analysis required.
• Zero closing costs/escrow charges option.
To qualify, you must not have any late payments covering the previous 12 months and the refinance must lower your monthly payment by over $50 per month.
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[av_heading heading=’VA Refinance’ tag=’h1′ style=’blockquote modern-quote modern-centered’ size=’50’ subheading_active=’subheading_below’ subheading_size=’20’ padding=’10’ color=’custom-color-heading’ custom_font=’#ffffff’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
Homeowners with a VA loan who are looking to refinance have two options to do so:
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[av_heading heading=’Streamlined IRRRL‘ tag=’h2′ style=’blockquote modern-quote’ size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
(Interest Rate Reduction Refinance Loan)
This program is one of the simplest yet most significantly beneficial refinance options:
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• Lower your interest rate (lowering your monthly payment)
• May shorten your term
• Option to convert from an adjustable to a fixed rate
• Re-appraisal not required
• Less documentation necessary in most cases
• New COE not required
• May finance closing costs
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[av_heading heading=’Cash-Out‘ tag=’h2′ style=’blockquote modern-quote’ size=” subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
VA borrowers can utilize a cash-out option similar to conventional cash-out, but with extra benefits:
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• May lower your loan rate
• Option to combine first and second mortgage
• Can help tap into your equity for extra funds
• May refinance a higher loan-to-value than other cash-out programs
For VA cash-out, the property must be owner occupied and the borrower must have not missed a mortgage payment in the last 12 months.
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[av_heading heading=’Lot & Land Refinance’ tag=’h1′ style=’blockquote modern-quote modern-centered’ size=’50’ subheading_active=’subheading_below’ subheading_size=’20’ padding=’10’ color=’custom-color-heading’ custom_font=’#ffffff’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
Similar to a home loan refinance, you can use this method of refinancing to potentially:
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[av_heading heading=’Rate-Term‘ tag=’h2′ style=’blockquote modern-quote’ size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ padding=’10’ color=’custom-color-heading’ custom_font=’#3a715c’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
Similar to a home loan refinance, you can use this method of refinancing to:
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• Lower your interest rate (lowering your monthly payment)
• Shorten your term
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[av_heading tag=’h2′ padding=’10’ heading=’COMPARE YOUR LOAN OPTIONS:’ color=” style=’blockquote modern-quote’ custom_font=” size=’40’ subheading_active=’subheading_below’ subheading_size=’15’ custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”]
Review and compare our available home loan options!
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[av_button label=’VIEW OUR HOME LOAN OPTIONS’ link=’manually,https://lam.corephp.org/wp-content/uploads/2023/12/loan-matrix.pdf’ link_target=’_blank’ size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’custom’ custom_bg=’#102f6a’ custom_font=’#ffffff’ admin_preview_bg=”]
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