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Refinancing

Refinancing a mortgage means replacing your current loan with a new one—typically to lower your interest rate, change your loan term, or tap into home equity. Unlike purchasing, which involves buying a new home, refinancing is used to improve the terms of your existing mortgage. It’s a smart option for homeowners looking to reduce monthly payments or access cash for major expenses.

  • Refinancing is for current homeowners aiming to improve their mortgage terms—not for buying a new home..

  • A rate-and-term refinance can help reduce your interest rate or change the length of your loan..

  • A cash-out refinance allows you to borrow against home equity for renovations, debt consolidation, or other needs..

  • You’ll need a new home appraisal to determine your current property value..

  • Closing costs still apply, but savings over time can make refinancing a worthwhile move..

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What Our Clients Are Saying

  • “Bill made our home purchase smooth and stress-free. He kept us informed every step of the way. We couldn’t be happier!”
    — Tony & Tina S., Noblesville, IN (Purchase)
  • “Refinancing with Bill saved us hundreds each month. The process was quick and efficient – highly recommend!”
    — Steve H., Bloomington, IN (Refinance)
  • “Brian helped us refinance our home and walked us through everything clearly. We felt confident from start to finish.”
    — Edgar & Rita G., Cape Coral, FL (Refinance)
  • “As first-time buyers, we had a lot of questions. Bill was patient, knowledgeable, and truly went above and beyond.”
    — Robert G., Ft. Wayne, IN (Purchase)

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