There are many reasons for a homeowner to consider refinancing their current mortgage. Waymaker Mortgage can help you determine if your refinance goals can be met and what benefits you can take advantage of by switching to a new mortgage.
Some incentives to consider when refinancing:
Seeing how much money you can save in the short- and long-term can determine if refinancing makes sense for you. By getting pre-approved upfront, you will know how much your monthly savings will be, and more importantly, how much total interest you can save over the life of the loan. This “net tangible benefit” calculation depends on many factors, such as your credit score, how much equity you have in your home, your current loan type, time remaining on your existing loan, and your current rate.
Refinancing does come with closing costs and fees. But before you proceed, you will know your approximate break-even point on the expense vs. total benefit of refinancing. Once you have this information, you can confidently choose a loan program that best fits your situation and will help you achieve your goals.
With all the loan programs available today, a Waymaker Mortgage loan strategist can help you pick the perfect loan for your unique situation. You’ll be presented with several options based on your goals, what you qualify for, and a mortgage plan you’ll feel comfortable with.
Below are some options to consider for your refinance. However, there is no substitute for a one-for-one consultation with a Waymaker Mortgage loan strategy expert. Navigating the uncertainty of whether it makes sense to refinance can be frustrating and somewhat scary. Waymaker Mortgage makes your refinance a pleasant experience through the use of our cutting edge-technology coupled together with a personalized human touch.
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605 River Bend, Ste. 100
Georgetown, TX 78626
Waymaker Mortgage and The Scottie Campbell Mortgage Team are a division of Groves Capital, Inc.
Company NMLS # 1678775
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Texas Mortgage Banker Disclosure – Figure: 7 TAC 81.200(c) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”
205 ILCS 635/2-9 Posting of license
The license of a licensee whose home office is within the State of Illinois or of an out-of-state licensee shall be conspicuously posted in every office of the licensee located in Illinois. Out-of-state licensees without an Illinois office shall produce the license upon request. Licensees originating loans on the Internet shall post on their Internet website their license number and the address and telephone number of the Commissioner. The license shall state the full name and address of the licensee. The license shall not be transferable or assignable. A separate certificate shall be issued for posting in each full-service Illinois office.
Licensee shall post on their internet web site the address and telephone number of the IDFPR. James R. Thompson Center
IDFPR-Residential Mortgage Banking
100 W. Randolph, 9th Floor
Chicago, Illinois, 60601
Tel: (844) 768-1713