Refinance Advice

“Now is the time!” is coming from many mortgage lenders’ offices right now. And our team at Toni Taylor’s Interconnect Mortgage Inc. 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 561-207-8049 to talk with my team.

Why refinance?

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 Interconnect Mortgage Inc. 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 - 561-207-8049.

Toni and her team played a huge role in helping to make this process seem less daunting and tedious. They were incredibly responsive and went above and beyond to help us execute a quick close. Highly recommend this local resource to anyone who wants 5 star service!!
KirstenLynn6 on 2018-07-01

Toni Taylor did an outstanding job for us on our recent purchase of a home in Florida. She was extremely knowledgeable, helpful, always accessible and delivered great results for us. When we told her that membership fees for our development would be going up $10,000 in a little over a weeks' time, she came up with a plan to help us close before the increase. She is quite pleasant to work with too.
tfeagans on 2018-08-01

This is a great team to work with in buying a home, not only very dedicated but kept me informed every step of the way. They have your best interest and stays on top of everything that needs to be done. Nothing falls through the cracks. Thank you so much. Very appreciated in all you did for me.
luciahaley on 2018-08-01

As a first time home buyer, I was not sure what to expect from the lending process. People warned me about how time consuming and exhausting it would be. In actuality, it turned out to be a breeze with no surprises or delays! I was able to close on the exact date that I wanted. I am very happy with how everything went from beginning to end. I would highly recommend Toni Taylor!
RachelCandace on 2018-05-01

Everyone at this company was great!! Had my refinance done quickly and efficiently. Very easy to work with!! Both Toni and Brian were extremely helpful. Thank you!
ufdrrx on 2018-03-01

First time home buyer , Tony experienced team guided me in a perfect , easy and no hussle way in getting a mortgage loan. I would recommend her to all my friends and to anyone that is looking for a home purchase or mortgage refinance.
fpcanneto on 2018-03-01

Toni Sue Taylor Gibson from Inlet Mortgage along with her team were great to work with, thoroughly enjoyed the experience. As a first time home buyer, they were very helpful, responsive and patient with me. No doubt an amazing team and I recommend their services.
shelly fernandes123 on 2018-02-01

Working with Toni at Inlet Mortgage was a fantastic experience. She and her team were so responsive to my questions and concerns throughout the process and I never felt "out of the loop." Buying a home is a trying process but they certainly made the loan process stress free, THANK YOU!!
user7894774 on 2017-12-01

Toni was very professional and helpful during the process and pushed lender services to get on time closing. I would highly recommend Toni Gibson if anyone is looking for a home in the south Florida area.
moore83755 on 2017-12-01