Rifinancimi
Sometimes refinancing your mortgage can really save you money by lowering your interest rate and your monthly payment. In other cases, refinancing can simply add additional debt to your home and put your equity at risk. NHS can help you determine if refinancing is right for you and help you select a mortgage product that can help you meet your financial goals. Your NHS counselor will provide you with the following in just one session:
Kontrolli i hipotekës
Parakualifikimi
Krahasimi i kuotave të hipotekës
Mortgage Checkup
Your counselor will conduct a quick review of the terms of your current mortgage and determine whether or not it fits your current financial needs and your future financial goals. The counselor will also compare the interest rate to today’s rates to see if a refinance could result in a rate reduction. The counselor will also check for any adjustable terms or balloon payments that you may not be aware of. At the end of the mortgage checkup, your counselor will either recommend that you explore a refinance or keep your current loan.
Pre-Qualification
Your counselor will assess your current financial situation including employment, income, debt and credit to determine if you qualify for a refinance at your desired loan amount. If your debt and/or credit status is determined to be a barrier to your ability to refinance, NHS will provide you with alternative options to address your financial needs.
Quote Comparison
'"Once your counselor has pre-qualified you for a refinance, he or she will help you shop for a loan by soliciting quotes on your behalf from at least three member banks. Your counselor will further advise you with the quote comparisons to empower you to make the best decision."