Making the American Dream Real. Our Pledge...We will look at every mortgage application, regardless of credit or loan size, offer a FREE ANALYSIS and send you a response within one business day. 
Phone: 585-325-1760

20+ LENDERS. 100'S OF MORTGAGE PROGRAMS.

Real Solutions. No Gimmicks.

When I should refinance?

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.