Let First Call’s mortgage professionals help you determine if now is the right time to refinance! You may be able to reduce your monthly payments or reduce the term of your loan by getting a lower interest rate or a new loan term. You may also be able to save more monthly if you use your refinancing to pay off credit card debt or other installment-type loans. That's because interest paid on your mortgage is tax-deductible and the interest paid on other loans is not. Here's are some typical reasons why you should consider refinancing:   Get a lower-rate mortgage Convert an ARM to a fixed-rate mortgage Consolidate a first and second mortgage Get cash for family needs and expenses

 Cash out

You may want to consider taking equity from your home. Draw on the equity that you have in your home and get some cash out for just about anything that you want!

• Improve your House
• Pay for College
• Buy a Car
• Take a vacation
• Reduce your Monthly Payments
• Pay Bills
• Start a Business

 Debt Consolidation

Pay off high interest credit cards and loans into one low monthly payment! With a debt consolidation loan, you can reduce your monthly cash outflow and save significant money by paying off your high interest credit cards and consumer loans. Less than perfect credit doesn’t prevent you from qualifying for some programs.

This may be your golden opportunity to re-establish your credit, recover from overwhelming debt, or consolidate your high-interest debt into one easy, low-interest monthly payment.

Try our Debt Consolidation & Refinancing Calculator.