If you’re thinking of refinancing a mortgage in Oakland Township, Michigan, you’re far from alone. Gem Home Loans has years of experience helping homeowners decide whether or not refinancing is right for their specific situations. We’ll do the same for you. Once you work with us, and we spell out all of the benefits and disadvantages, you can rest easy knowing you’ll have made the best-informed decision.
More than likely, you’ve heard of a mortgage broker. You might have even worked with one in the past. In a nutshell, a mortgage brokers acts as a kind of middleman between a client (in this case, you) and a mortgage lender. Gem Home Loans is a broker staffed with a team of insured, trained and licensed experts. We have relationships with dozens of lenders, so we’re very well positioned to find the best possible offer on your behalf.
You could shop around on your own, of course. But would you really know everything there is to know about the different offers you’re receiving? Would you know how to negotiate with a lender to see if they could make tweaks to a loan offer? At Gem Home Loans, we can take all of that off of your plate. You don’t have to be an expert in home loans, nor do you have to be a skilled negotiator. We can do all of that for you.
We’ll also take the time to get the most accurate picture possible about your finances. We’ll understand your debts, your assets, your income, the way you’ve used credit in the past, and more. Our experts will take that information into account when recommending specific types of loans.
Our job is to find the most affordable mortgage loan at the best terms. We can help you apply for pre-approvals, collect whatever documentation is needed to apply, and then submit the actual application for you. We’ll also work to get your loan processed in the shortest amount of time so you don’t have to wait around for an answer.
The best part of this for you is that it won’t cost you anything. We make our money from whatever lender eventually funds your loan. We work under strict regulations, so you won’t have to worry that we’ll try to influence you into any certain kind of loan because it will make us more money. We’ll make the same amount no matter which lender you choose.
There are a lot of pros and cons to refinancing your home. If you want to take advantage of lower interest rates, or you want a lower monthly payment, then it’s definitely worth considering. On the other hand, it might not make sense to refinance if your interest rate is already low – the money you’d pay in closing costs and other fees would probably not be worth it.
At Gem Home Loans, we’ll spell out the good and the bad of refinancing, as well as pursuing any other kind of loan we offer. If we think it will make sense to refinance a mortgage in Oakland Township, Michigan, then, by all means, we’ll recommend it. If we don’t think that’s the case, we won’t – it’s as simple as that. We’ll always work in your best interests. Learn more by giving us a call at (248) 780-0601 or contacting us online.
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