Refinance

Rate & Term or Cash Out?

We've Got You Covered.

There are so many good reasons to refinance: to lower your interest rate, for home improvements, or for consolidating debt with a cash-out. If you're not sure about refinancing, make sure to check out our FAQ to see if it's right for you.

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Refinance With Confidence

Getting a lower rate may not sound like a big deal right now, but do you really want to fork up an extra $100 a month for the next 20 years when that cash could be going in your pocket?

(and that's being a little conservative!)

Or, with a cash-out refinance, you can use some of that built-in equity to finally remodel that kitchen! Or you can use it to consolidate debt & bulk up your cash reserves. We see it all the time—so many doors open with a refinance.

Satisfied with their experience, our clients know they can always count on us to get them a great rate while mitigating as much stress as humanly possible. This might be why some of our clients have been with us for over 15 years!

Whether you're a new client or a former one, we have one real interest: you.

Frequently Asked Refinance Questions

Learn more in our FAQ or reach us at jr@circadianmb.com if you cannot find an answer to your question.

Should I Refinance?

If any of the following sound like you, refinancing should absolutely be on the table. Here are a few questions to ask yourself:

Have you been wanting to make home improvements but didn't know how to finance them?
Have you been wanting to pay off some of those lingering, higher-interest debts, such as credit card debt or student loans?
Maybe your rate is on the higher side & you want to lower it? I mean, who wouldn't want to save an extra couple hundred dollars a month?!
Have you been wanting to go on that dream vacation or beef up your emergency fund? You work hard for your money—it's okay to enjoy it!

These questions are good to think about. However, everyone's situation is different. The best way to know is to talk to us about it! We can look at actual numbers that will help you get a better idea of whether refinancing is right for you.

I Want to Do a Home Improvement, & I Want to Refinance—Which One Should I Do First?

This question is very dependent on your circumstances. We highly encourage you to connect with us to see what would be the best choice for you. In the meantime, here are some factors to consider:

How extensive is the home improvement?
How much equity do you have in the house?

Are you just touching up some paint or changing the carpet in a bedroom? Or are you gutting rooms, tearing down walls, making additions, or landscaping?

This will dictate how much cash you plan on investing in these improvements. From there, budget appropriately. You may find you're able to pull it off without refinancing. Or you may need to pull extra cash out in order to finance the home improvements.

However, if you don't have much equity, doing a cash-out refinance may be more difficult to pull off since there isn't as much cash to pull.

Again, while this is a frequent question, it is one very much based on individual circumstances. Give us a call or email & we would love to hear you & support you!