Refinance Your Home

Is Refinancing Right for You?

There are many reasons for a homeowner to consider refinancing their current mortgage. Waymaker Mortgage can help you determine if your refinance goals can be met and what benefits you can take advantage of by switching to a new mortgage.

Some incentives to consider when refinancing:

Lower your interest rate and monthly payments
Pull cash out from your home’s equity for debt consolidation or home improvements
Switch from a 30-year to a shorter term loan
Change from adjustable-rate to a fixed-rate mortgage
Eliminate PMI (private mortgage insurance) from a conventional mortgage or refinance from an FHA mortgage to conventional for removal of FHA mortgage insurance.

Seeing how much money you can save in the short- and long-term can determine if refinancing makes sense for you. By getting pre-approved upfront, you will know how much your monthly savings will be, and more importantly, how much total interest you can save over the life of the loan. This “net tangible benefit” calculation depends on many factors, such as your credit score, how much equity you have in your home, your current loan type, time remaining on your existing loan, and your current rate.

Refinancing does come with closing costs and fees. But before you proceed, you will know your approximate break-even point on the expense vs. total benefit of refinancing. Once you have this information, you can confidently choose a loan program that best fits your situation and will help you achieve your goals.

Why Choose Waymaker Mortgage for Your Refinance?

With all the loan programs available today, a Waymaker Mortgage loan strategist can help you pick the perfect loan for your unique situation. You’ll be presented with several options based on your goals, what you qualify for, and a mortgage plan you’ll feel comfortable with.

Below are some options to consider for your refinance. However, there is no substitute for a one-for-one consultation with a Waymaker Mortgage loan strategy expert. Navigating the uncertainty of whether it makes sense to refinance can be frustrating and somewhat scary. Waymaker Mortgage makes your refinance a pleasant experience through the use of our cutting edge-technology coupled together with a personalized human touch.

Refinance Loan Options

Conventional Refinance

Competitive interest rates
Loan amounts up to $647,000 in low cost areas; $947,800 in high cost areas
30yr, 25yr, 20yr, 15yr, or 10yr
Fixed or adjustable rates available

Conventional Cash Out Refinance

Up to 80% LTV
Competitive interest rates
Payoff a 2nd mortgage or HELOC
Cashout to pay off high interest debt

VA Loan Streamline Refinance (IRRRL)

No appraisal required
No income verification
Reduced documentation
Competitive interest rates

VA Loan Cash Out Refinance

Cash Out up to 90% LTV
Pay off high interest debt
Can roll in all closing costs
Debt to income ratio up to 50%
No monthly mortgage insurance

FHA Streamline Refinance

Most popular FHA refinance program
No appraisal required
No income verification
Reduced documentation

FHA Cash Out Refinance

Debt consolidation OK
Cash out up to 85% LTV
Debt to income ratio to 50%
Fixed and ARM rates available

TIRED OF LOOKING AT SCREENS AND WANT TO TALK TO A REAL PERSON?

CONTACT US

hello@waymakermtg.com

833.WAYMAKR (929.6257)

512.943.2243 – Call/Text

Text QUALIFY to 512.943.2243

13460 Vista Oaks Dr, Unit B

Leander, TX 78641

Waymaker Mortgage, Team Scottie, Team Natalie and The Campbell Mortgage Team are powered by

Waymaker Mortgage Company LLC NMLS # 2440476 | Principal Broker: Scottie Campbell NMLS # 1610726

Terms, conditions, and restrictions may apply. Loan products are subject to availability and credit approval. Not a commitment to extending credit. | Mortgage Company Complaint

BRAND AFFILIATION DISCLOSURE: "Waymaker Mortgage" has previously been a legal trade name (DBA) of Kama'aina Mortgage Group, Inc. NMLS 1276471 and Hometown Lenders, Inc. NMLS 65083.

The name "Waymaker Mortgage" is no longer associated with either of these organizations.

Waymaker Mortgage Company LLC - NMLS 2440476, is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking - Division of Savings and Mortgage Lending. Texas Mortgage Banker Disclosure – Figure: 7 TAC 81.200(c) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

Consumer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly. As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his/her designate, in order to take action. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.

For more information, contact us at the number on the Home Page.

Privacy Act Disclosure

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. Before or at the time of collecting personal information, we will identify the purposes for which information is being collected. We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law. We will only retain personal information as long as necessary for the fulfillment of those purposes. We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. We will make readily available to customers information about our policies and practices relating to the management of personal information. We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. This short outline included important aspects of our privacy policy. To review our entire privacy policy, email us at the address on our home page.