“Now is the time!” is coming from many mortgage lenders’ offices right now. And our team at Lori Hawkins’s Hawkins Home Loans is shouting it too.
RIGHT NOW IS THE TIME TO REFINANCE!
Mortgage rates are the lowest they’ve been in YEARS. Give our office a call to see if we can help you refinance your loan and get you into a lower monthly mortgage payment! You CAN refinance with us even if we don’t have your current loan.
Want to refinance your loan? Call (916) 371-6300 to talk with my team.
Refinancing allows you to save money. With interest rates being much lower than they were five to 10 years ago, many are refinancing to get a lower rate on the remainder of their home loan balance. Lower rate = less interest paid = lower house payment = more money in your pocket. There’s really not a great reason NOT to refinance.
What do I need to refinance?
Refinancing your home is basically like applying for a new home loan. You’ll need to apply online and enter your information. We’ll need you to provide documentation for things like your income, employment, address history and tax returns. We’ll pull credit to make sure you qualify and work with you to determine the best new mortgage program for you.
Can I change loan companies when I refinance?
You do NOT have to refinance your mortgage with the same company. So for example if you are not currently a Hawkins Home Loans customer, you can still call our office and apply for a refinance of your current loan through us.
Does it cost to refinance?
The costs associated with a refinance involve an appraisal (if needed for the loan) and any closing costs to process the loan. These are the costs typically involved in a new home loan. There is an option to roll the closing costs into the total home loan amount if needed. We go over all of this so that there are no surprises.
Can I refinance if I don’t have equity in my home (I’m underwater?)There are a handful of programs that have recently been approved by the federal government that allow homeowners to refinance, even if they owe more on their current mortgage than their home is worth. The HARP program and the FHA Streamline refinance program are both designed to NOT require an appraisal when refinancing a home loan. Call our office to see if you qualify for one of these programs - (916) 371-6300.
We've been working with Lori since October 2013. Lori has been pleasant and extremely helpful for Us with our initial home purchase and refinancing. She made the process easy and non stressful. We wouldn't think of working with anyone else. She's guaranteed to get you what you want!
Lori is an extremely professional flexible loan agent. I have been working with her for several years now and she is the only person I have been going through for my loans and every time she has been honest with me about what to do and how to do it. I highly recommend her to whomever is looking to purchase their first home or buying a second or more property. She will be persistent and punctual with you and make things as easy as possible. She also has ana amzing team behind her that helped us along the way when Lori was unavailable.
Lori was amazing. Wonderful experience in refinancing our home! The process was quick and easy, she saved us money and stress. Absolutely use her services in the future.
Lori and her staff were awesome. They worked really hard for us in this trying time. They communicated with us all the way through the process which is important to me!
I recently purchased my home last year using the VA. I went to Lori less than a year later and they refinanced my home saving me almost 300 a month. Will definitely use her on my next home purchase!
We have now worked twice now with Lori and her team. We have worked with a few different lenders and Lori is by far the easiest. They are efficient and care about getting you the best deal. Definitely have recommended to family and friends.
Very easy transaction and the staff were on top of it. I was kept updated and knew exactly what was happening every step of the way. Highly recommended!
Lori and her team were amazing when I refinanced my home loan! Lori personally answered all of my questions and was right by my side during the whole process; explaining everything to me in detail. I couldn’t have asked for a better experience!
Lori is a wonderful woman. She helped me purchase my home I’m in, and 2 years later here I am working with her again to refinance. The process was so easy she is like an angel from heaven. I will always do business with her.
This is my second transaction with Lori. I would look no further if you are looking for someone who is knowledgeable in the business. She makes the lrocess so easy.