“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.
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.
Would highly recommend Lori. I’ve completed many loans with Lori and every time she has my best interest at heart. Her office is amazing, they always respond quickly to my questions.
Lori just closed two refinances for me in record time. Ahe got me the best rate out there. Her offixe is alqaya plesant to work with. Comminication is always wonderful. I would recommend you work with Lori od you are in the housing market.
Lori and her team are always amazing. This is my third transaction with her and they are always on the ball. She makes refinancing an easy process and I would highly recommend her for your fianncing needs.
Lori was tremendously helpful, answered all of our questions, and was very responsive. Her patience with us in answering questions and double checking on information. We would highly recommend her to anyone in the future!!
I did a refi loan with Lori. She answered alot of my questions and concerns with my loan. She was also very patience with me since I had lots of questions and concerns on my loan.
We had an excellent experience with Hawkins Home Loans and would recommend them for your next purchase or refinance! Thank you Lori and your whole team.
As a new first-time home buyer I had many questions about the process and Lori and her team made it easy and an enjoyable experience. I highly recommend Lori Hawkins!
This is the second time we work with Lori she is very friendly and helpful. She always make sure that we understand the whole process and that we 100 % happy with our loan. We’re really greatfull to find her she’s Amazing.
Great company to work with. Always responds back fast. Im a very busy person with work, so its helpfull when the office answers promptly. I would really recommend Lori and her team. She is very passionate about her work and doing what is best for your family.