Wednesday, February 2nd, 2022

Now Is The Time To Refinance

Cash Out Refi

YOUR QUALITY OF LIFE MATTERS Decrease the burden of medical debt. 1 PAY MEDICAL EXPENSES HOME IMPROVEMENT Increasing the quality of your life and home. GROW YOUR SAVINGS AND RETIREMENT SCHOOL TUITION Use equity to help start your retirement. Pay off school debt, or this year’s tuition.HIGH-INTEREST LOANS CONSOLIDATE DEBT Your debt will be easier manage under one low interest rate
RATE-TERM REFI Shorter term — Go from a 30-year loan into 15-year loan: Longer term — Go from a 15-year loan to a 30-year loan: Pay less interest over time, save thousands. Refinance to save money by changing your loan’s terms. Monthly mortgage payment can drop by hundreds. Eliminate private mortgage insurance (PMI) if you have 20% equity. Roll a piggyback loan into your first loan (they often have higher rates). Switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan orvice-versa: ARMs are suitable for people who plan to only stay in their homes a few years, need liquid cash each month, or who expect a boost to their income in the near future.
Bonus BORROWERS WITH FHA, VA, AND USDA LOANS MAY BE ELIGABLE FOR A STREAMLINED REFINANCE.² Less paper work No income verification Appraisal may be waived No debt-to-income (DTI) evaluation

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AGCU is committed to helping find the right home loan option for you. We offer a variety of products to meet your requirements. Whatever your lending needs are, AGCU is here to help you navigate the process.

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1 CoreLogic, Homeowner Equity Insights report, data through Q3 2021.

2 The Mortgage Reports, “The Streamline Refinance: Get Today’s Low Rates With Almost No Paperwork,” February 28, 2020.

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