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By submitting this form, I acknowledge and agree to the privacy policy and terms and conditions. I consent to transaction communications, to allow my information to be shared with lending partners, and to receive calls, text messages, and/or emails from Fairway Independent Mortgage Corporation or its affiliates at the phone number or email address provided. Consent is not a condition of service, and you may choose to contact a mortgage adviser directly at 254.933.9500.

REFINANCING

If interest rates have dropped since your first mortgage or your home value has increased, refinancing your current loan may be a great option for you.

When you refinance you use your newly structured mortgage to pay off your current mortgage. This process may allows you to acquire a new, lower interest rate, restructure other debt or take equity out of your home in the form of cash.

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WHY REFINANCE WITH FAIRWAY?

SHORTENED LOAN TERM

Shortening the term length of your current loan by refinancing can save you money.

ARM CONVERSION

Convert your current adjustable rate mortgage to a fixed-rate loan protecting yourself from future rate increases.

LOWERED RATES

Refinancing is a great way to lock in a new, lower interest rate potentially lowering your monthly payments.

COMBINED LIENS

Combine 2 or more liens into one to potentially save money and simplify your current loan.

DEBT CONSOLIDATION

Move debt from high-interest credit cards or loans into a single loan which may mean lower monthly payments.

CAPITALIZE ON EQUITY

Turn the equity in your current home into money in your bank account.

SHORTENED LOAN TERM

Shortening the term length of your current loan by refinancing can save you money.

ARM CONVERSION

Convert your current adjustable rate mortgage to a fixed-rate loan protecting yourself from future rate increases.

LOWERED RATES

Refinancing is a great way to lock in a new, lower interest rate potentially lowering your monthly payments.

COMBINED LIENS

Combine 2 or more liens into one to potentially save money and simplify your current loan.

DEBT CONSOLIDATION

Move debt from high-interest credit cards or loans into a single loan which may mean lower monthly payments.

CAPITALIZE ON EQUITY

Turn the equity in your current home into money in your bank account.

REFINANCE OPTIONS

CASH OUT REFINANCE

A cash-out refinance allows you to take cash out of your home equity by replacing your current mortgage with a new loan that is more than the amount owed. This option can help you pay for major expenses like college tuition, debt or home improvements.

ADJUSTABLE RATE MORTGAGE (ARM)

Typically adjustable-rate mortgages offer low introductory rates and payments that can change periodically after the initial fixed-rate period. An ARM could be the right choice for you if you plan on staying in your home for just a few years, you’re expecting a future pay increase, or the current interest rate on a fixed-rate mortgage is too high.

FIXED RATE MORTGAGE

Fixed-rate mortgages protect you against rising rates since the interest rate remains the same for the entire term of the loan. You can select a 30-, 20- or 15-year term, but keep in mind lower term options have higher monthly payments which means you are building home equity faster. If you plan on staying in your home for a longer time frame, a fixed-rate mortgage could be the right solution for you.

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