Mortgage Refinancing

Lower rates, lower monthly payments, cash-out... whatever your reason Palm Harbor Mortgage Advisors can help.

Rates change daily, so if you are thinking about refinancing, it is essential to talk to a mortgage professional. Know your options and your risk. Palm Harbor Mortgage Advisors can lower your interest rate, eliminate PMI, pull cash out of your home, move an adjustable-rate to a fixed rate, and/or reduce your loan monthly payment amount.

Lower Rates

Get Started (727) 542-3357

The more you shop, the more you save.

As an independent mortgage broker, we shop for you, and we know how to match income, net-worth, and circumstances to the right loan type and lender.

We also do all the legwork from gathering documents, pulling credit scores, verifying income, and verifying employment.

Eliminate PMI

jstojak@palmharbormortgage.com

Private Mortgage Insurance (PMI) reimburses the lender if you default on your home loan. Generally, you have to carry PMI if you put less than 20% down on your home. However, getting rid of PMI isn' always easy.

Refinancing allows you to reassess your home's value and set terms that do not include PMI saving you thousands of dollars every year.

Cash-out

Get Started (727) 542-3357

You can refinance your home, lower your monthly payment, and borrow money simultaneously with cash-out refinancing. This all depends on how much equity you have in your home and other financial circumstances like credit scores, income, and employment history.

Reduce Payments

jstojak@palmharbormortgage.com

You might be in a situation where you have to reduce your monthly payments. You don't want to move, but you do want to lower your monthly mortgage expense.

Refinancing is a great option to change your payment schedule and reduce your monthly mortgage expense.

Other refinancing options are available.

Contact us to learn more about mortgage refinancing!

What you need to start your loan...

🧾 Current lease(s)

🧾 Mortgage statement

🧾 2 years tax returns

🧾 W-2s

🧾 Bank statements

🧾 Drivers license

🧾 Social security card

🧾 P&L statement

🧾 Employment history

🧾 Residence history

Jim Stojak

Start your application with our featured broker

Jim is available to answer any of your lending questions.

As an independent broker, Jim's only obligation is to his clients. He will always prepare your loan options with your best interests in mind.

Start Your Refinancing Application