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.

Excellent Service and communication from start to finish. The cost and rate we were initially quoted was what we got. Easy to use portals for gathering information. Responses to questions were timely. Completely professional , I would highly recommend using them.
dkrenzer9 on 2020-06-01

Team Taylor is a great group and a pleasure to work with, will definitely use again! Very organized team and made the paperwork simple and easy. I would recommend to anybody.
sean grant2 on 2020-07-01

Toni and team were the consummate professionals in every sense and kept me connected and on target with all the loan requirements. They didn’t skip a beat, which was extremely important to me since the new home I was buying was contingent upon selling my existing home. They made every step of the way straight forward and stress free with their one-on-one updates and feedback. I would highly recommend them to anyone!
linda quattrone on 2020-07-01

Tony was great through the whole process everything when I smooth as could possibly be expected. She was on top of everything and kept me well informed I would have no hesitation to use her again.
jumpinjoeyc on 2020-03-01

Everyone at Interconnect Mortgage was efficient, timely and very helpful throughout the process. This is my second transaction with them and I quickly remembered why I had returned, Thank you!
user7894774 on 2020-04-01

As painful as getting a mortgage has become, Toni was on top of all of the required docs, statements, letters etc required to acheive the final goal of closing on our property.
John Shields1 on 2019-10-01

Toni and her team made my home buying experience very easy and simplified. I would definitely recommend her, and of course plan on using her for any future home buying.
zuser20170505062741498 on 2019-07-01

I can honestly say that Toni is professional, a straight shooter, and all around just a very professional woman. She has proven her honestly and knowledge time and time again throughout this transaction. In my experience with Toni, her prompt and courteous service, and her keen attention to detail cannot be matched. Not many can boast 29 years of mortgage experience and that experience really showed while dealing with her. Thank you Toni
jamespknox on 2019-06-01

Toni took the time to make sure we understood everything that was going on and she was very helpful and made the process very easy and stress free!!!!
matthewdilallo on 2019-03-01

Toni and her team made our home buying process so easy! The professional service we received was top notch from our initial phone call to the closing table. This was not our first home purchase and I'm sure it will not be the last...but I can safely say Toni will handle all of our future needs! Thanks Toni
cmacsuga on 2019-04-01