Refinancing your home?
As your Trusted Advisor, we're here to help.
Whether you're looking to reduce your monthly mortgage payment or term, consolidate debt or simply want to access the equity value of your home, Home Savings has a refinance mortgage solution for you.
Possible benefits of refinancing your home:
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Lower your monthly payment
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You may now qualify for a lower interest rate
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Pay off your loan faster by reducing the term
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Use your home’s equity to consolidate debt
Let us help you stay financially fit for life. Talk with a Trusted Advisor.
We make your mortgage more affordable:
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Low down payment programs
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Competitive fixed & adjustable interest rates with low closing costs
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No pre-payment penalty
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Programs with no private mortgage insurance (PMI)
Affordable mortgage options:
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All Conventional, FHA, USDA, and VA
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First-Time Home Buyer Loans
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Purchase with Renovation Loan
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True Portfolio Loans: Make sense but outside normal underwriting
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Physician Loans: Up to 100% financing and no down payment required*
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Plus, we offer extended rate-locks with no upfront fees
*100% financing is on purchase of the property and does not include closing costs, is based on approved value and not to exceed purchase price.
Free pre-qualification:
We’re available to meet with you any time to make sure your current mortgage is still the best option for you. Knowing how much home you can afford is a benefit to you when you’re house-hunting. You’ll be able to focus on shopping within your budget and will save time when you’re ready to make an offer. Plus, having a pre-qualification provides you with a negotiating tool.
Get pre-qualified today!
Apply now for a better mortgage experience through Encompass:
Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
Just click the apply button to get started!