Mortgage Refinance
Refinancing works by giving a homeowner access to a new mortgage loan which replaces its existing one
Hundreds of billions of dollars worth of mortgage loans are given each year.
Refinances are common whether current mortgage rates are rising or falling, and you can get one from any bank you choose.
Buying or renting a home is a big financial decision. And whether it’s a condo, a townhouse, or a single family residence — new construction or a home with a history — this transaction will have a significant impact on your budget. What do you need to know?
Whether you’re buying your first homeowners insurance policy or wanting to update your current policy, knowing the basics of home insurance coverage is key.
You get the benefit of our more than 140 years of experience every day. Our highly skilled home security experts can custom-design home security systems to meet your exact needs.
Adjustable-Rate Mortgages (ARMs)
Buying or renting a home is a big financial decision. And whether it’s a condo, a townhouse, or a single family residence — new construction or a home with a history — this transaction will have a significant impact on your budget. What do you need to know?
Information is critical when you are shopping for a mortgage. And it’s equally important to know the consequences of falling behind on your payments and the telltale signs of a foreclosure rescue scam. What about a reverse mortgage? When could it be a good deal — and when can it be a dud?
Building a deck? Installing an alarm system? Repaving the driveway? You can save time, money, and frustration by knowing the signs of a home improvement scam, and the consumer protections in the Cooling Off Rule.
Whether you’re buying a new home or refinancing your existing one, there’s a lot to think about. From rates to payments to closing costs, we’ll help you navigate the mortgage process and find a home loan that’s right for you. Not only that, but also our competitive rates backed by personalized, friendly service, you’re sure to feel right at home.
Energy efficiency comes in all sizes and shapes — from appliances and toilets to windows and light bulbs. The choices you make for your home or business can have a big impact on your budget — and on the environment.
If you’re a renter or a property owner, scammers use tricks to try to get your money, like bogus rental listings and timeshare reseller rip-offs.
Convertible ARM
A convertible ARM will allow you to switch from an adjustable rate mortgage to a fixed rate mortgage. There are usually some restrictions, like only being able to lock in within the first 5 years. This is different from refinancing, because you will not have the option to adjust again, but instead will be locked in. Locking in to a fixed rate may incur a penalty or have a fee associated with it.
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Fixed-Rate Mortgage
A fixed-rate mortgage will lock you into one interest rate for the entire term of your mortgage. The benefit of this is monthly payment security over the length of your mortgage. However, if interest rates drop, and you want to take advantage of lower rates, you will have to refinance your loan to change your interest rate.
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