What eMortgage of NJ wants You Know about Home Mortgage Refinance
Home Mortgage Refinance is the process of paying off an existing loan with a new one. Some eMortgage of NJ customers refinance to take advantage of a lower interest rate, which lowers the monthly payment. Others simply refinance in order to get money out of the equity in their home. A NJ Home Mortgage Refinance might also make sense if you want to change the type of loan. For example, if you have an adjustable-rate mortgage (ARM) and interest rates rise, you may want to refinance with a fixed-rate loan. Before choosing any eMortgage of NJ Loan product, always start with our Free, easy-to-use NJ Mortgage Calculator first.
Let eMortgage of NJ tell you more about the various refinance options available to you:
As your More Mortgage for Your Money™ Direct Lender, we offer a full spectrum of Home Mortgage Refinance loan programs with a streamlined application process and High Touch Customer Care. This means you talk with a real person! With an eMortgage of NJ Refinance Loan you might be able to free up enough monthly income for that Vacation Home you’ve always wanted!
eMortgage of NJ Home Mortgage Refinance loan options include:
Fixed loans with 10 to 30-year terms: A fixed loan is the most common type of financing. The interest rate and the principal and interest (PI) payment remain constant for the length of the loan.
Adjustable Rate Mortgages (ARMs): An Adjustable Rate Mortgage (ARM) offers an initial rate that is lower than a fixed-rate mortgage, but the ARM’s interest rate may change over the life of the loan. The rate is tied to an index, such as the One-Year Treasury Bill. When the index rate changes, the loan rate moves up or down accordingly. Caps limit how much the rate can change on your NJ Home Mortgage Refinance.
Balloon Mortgages: A balloon mortgage features low rates and low fixed monthly payments for a period of time—usually five to seven years. At the end of the time period, a final “balloon” payment for the remaining balance of the loan is due. With low initial rates, Balloon Mortgages may be a good choice for borrowers who plan to move to their next home before the balance becomes due.
Let eMortgage of NJ tell you more about the various Home Mortgage Refinance options available to you!
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