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:
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.
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.
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.”
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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.
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