Life changes. Your mortgage can, too.
Let’s explore your options and home goals to determine if refinancing your mortgage is right for you.
Life changes. Your mortgage can, too.
Let’s explore your options and home goals to determine if refinancing your mortgage is right for you.
Life changes. Your mortgage can, too.
Let’s explore your options and home goals to determine if refinancing your mortgage is right for you.
Contact Us
The best time to refinance your mortgage depends on your situation and reason for refinancing.
Getting a lower interest rate is the main reason people replace their current mortgage with a new one. But there are other reasons as well. Refinancing can help you lower your monthly payments, shorten your loan term, get rid of private mortgage insurance, consolidate your debt, access your equity for home improvements, move you from an adjustable rate mortgage to a fixed rate, or buy out another title holder.
Before you begin the process of refinancing, we will consider if potentially resetting the clock on your mortgage will actually save you money in the long run. Together we will take a close look at your unique situation, include how much equity you have in your home, your current interest rate and terms, and monthly payment details. We will help you understand the pros and cons of refinancing in your individual situation. Once we’ve done this, we find that the best choice becomes crystal clear to our customers. You are then able to move forward, or not, with confidence and clarity.
Our commitment to you is to only recommend refinancing if it truly is in your best interest.
Step-by-Step Plan to
Refinancing Your Mortgage
Set up a planning consultation.
You can meet with us in person, via video conference or by phone so we can get to know you and understand your unique situation. We will talk through your financial situation, your credit score, and your current and future housing needs.
Apply.
We will gather information from you along with financial documents and take it from there! We will keep tabs on everything to ensure a smooth closing for your refinance.
Enjoy Peace of Mind!
Todd & Melissa Oskroba
“My husband and I had the privilege of working with Phil in our home refinance. He was very informative, honest, and personable. He answered all my questions honestly and I never felt like “just another client”. He made us feel comfortable with the whole process with clear and quick communication! He was patient with my questions and gave his professional opinion when asked. I would highly recommend working with Phil!”
CUSTOMERS SHARE THEIR EXPERIENCE!
Testimonials
Bailey Kovac
“We were referred to Two Roads Lending by our realtor, and close friend, in order to refinance our home. They were always very accommodating, quick to reply, and very informative throughout the entire process. We had many questions and they always made sure to take the time and educate us. The process was quick and painless. They found the best loan option for us with a great interest rate and we got everything done quickly.”
Jay & Teri Rislov
“My wife and I worked with Phil B. and his team. They were so awesome to work with! They made the ENTIRE process completely effortless! We were amazed by the efficiency and effort they made to make this process so simple for us. You guys ROCK!!! We highly recommend them to anyone looking for a great loan experience!”
Devin Moore
First-Time Home Owners
“Phil and team are the best! My wife and I had an excellent experience working with them. Phil did a great job educating us on our refinance and helped to guide our decision making. We certainly trust his expertise. Once the process was rolling, he and his team moved us along quickly, gave frequent updates/check-ins, and were happy to answer my questions. We strongly recommend!”
