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Refinance 2017-09-20T01:41:00+00:00

Arizona Refinance Mortgage Broker You Can Trust!

It is important to make informed decisions when refinancing your Arizona Refinance Mortgage Broker. Refinancing means taking out a new loan with new loan terms. Some reasons borrowers refinance are to lower their payment, shorten their loan term or amortization, fix their rate from an adjustable rate, or get cash out for debt consolidation, home improvements, tuition, or other purposes.

Refinancing is quite simple and generally only takes a few weeks. There will be certain documentation needed in terms of income, assets, and potentially other items including in most cases an appraisal.

Arizona Refinance Mortgage Broker

Arizona Refinance Experts, We Are Here To Help You!

When qualifying for a refinance, there are 3 main things that are considered: Equity, Income, and Credit Score. Equity is the difference between the appraised value and the total amount of liens you have secured against your home. The more equity you have the better! Income is important as it determines your debt ratio. The debt ratio is your total amount of outgoing monthly debt divided by your total gross monthly income. The lower the debt ratio, the easier it will be to qualify. The Credit Score helps determine your ability to repay the loan based on your current and prior credit history of paying creditors. The higher your credit score, the better interest rate you will qualify for.

To determine if you will benefit from a refinance, please contact Arizona refinance mortgage broker for a personalized and free consultation.

Get Your Home Refinanced with a First Class Arizona Mortgage Broker

Finances can be a difficult topic of conversation for many people. With ABLEnding Inc. money does not have to be an uncomfortable topic. We take the stress and anxiety out of mortgages and refinancing. Our reputable staff and our over 40 years of experience prepares us to handle any money situation. Don’t feel limited or stuck in your finances. Turn to one of the best Arizona Brokers for options.

Our clients choose refinancing loans for the following reasons

  • Paying off student loans
  • Making large purchases including cars and other vehicles
  • Consolidating Debt
  • Lowering existing loan interest rates
  • Shortening the term of an existing loan
  • Remodeling a home
  • Paying college tuition

With college tuition, home ownership, and large financial decisions in your future remember that you have options. You don’t have to make major cuts to your style of living to accommodate these life changes. Through refinancing, you can spread out payments over a longer length of time giving you the ability to make these purchases and investments. Let ABLEnding Inc. guide you through the process and make what was once impossible, possible. Whether it’s getting your degree in Arizona or simply purchasing your first car, we can offer you loan options with better interest rates.

As Arizona Refinance Experts, We Are Here To Help You!

So, you’ve chosen to refinance. How do you get started? Our clients can experience a more simplified process towards their financial goals. With ABLEnding Inc. Refinancing is quite simple and generally only takes a few weeks. In Arizona, the refinancing process requires documentation and working with an appraiser. Our loan agents will work with you to successfully apply for the loans you desire. We will keep your private documents secure while making sure your information gets to the right people.

Refinancing in Arizona is a process we can guide you through. Once you’ve scheduled an appointment with one of our Arizona refinancing experts, we can start you on your way. Some things to consider is bringing records of your income, total assets, and talking about scheduling an appraiser – someone who will determine the value of your home.  Your agent will work with you to determine if refinancing is available for your home.

Qualifying for Refinancing in Arizona

Once you qualify for a refinance, you can begin your journey towards your financial goals.  Our agents will consider your Equity, Income, and Credit Score.  Equity is the difference between the appraised value and the total amount of liens you have secured against your home. In Arizona, the more equity you have the better! Income is important as it determines your debt ratio. The debt ratio is your total amount of outgoing monthly debt divided by your total gross monthly income. The lower the debt ratio, the easier it will be to qualify. Your Credit Score helps determine your ability to repay the loan based on your current and prior credit history of paying creditors. Your credit score is typically made available for your viewing. Feel free to determine your score and find out what that means for your goals.

Arizona has its own laws on refinancing, what to do in the case of default, and how defaulted loans will be repaid. If you have any questions about refinancing in Arizona, our firm is equipped to navigate and understand the codes of conduct associated with taking out a loan.

To determine if you will benefit from a refinance, please contact Arizona refinance mortgage broker for a personalized and free consultation.

Keeping up with Arizona Loan Trends

The broker industry, just like the housing market has its ups and downs. Not only will ABLEnding Inc. stay on top of the Arizona marketplace, we can also let you know how these changes will affect your loans and options. Factors including loan limits, the variance in interest rates, and the economic standing of lenders make for changes in lending and home refinancing options. We work within the Arizona area to maintain our standard as a knowledgeable expert in our field. We work to keep our clients informed about lending and loan trends in Arizona. We can help you determine what time is best to secure refinancing or connect you with dependable lenders in the fluctuating sphere of finances.

If you are looking to purchase a new home, refinance, or simply need consultation, you can speak directly to Mark Ventrone, President of ABLEnding Inc. Contact us now and experience the service and lending options you deserve in Arizona.

Connecting Clients to Arizona Lenders

At ABLEnding Inc. we work to connect our clients with backed lenders. Clients can depend on us to secure different lenders for a variety of loan options. We work with you to choose the lender that best fits your home refinancing project in Arizona. We connect our clients to lenders offering low interest, low down payment loans so your dreams of owning a new house come true. Every lender is different, every client is different. We will do the work to connect you to the right people for the right investment in your life.

Additional Loan Services in Arizona

Home Equity – As an alternative to refinancing, opening up a home line of credit allows Arizona home owners to borrow money from your already purchased home. Ask us about our home equity services.

No PMI – PMI, or Personal Mortgage Insurance in Arizona allows lenders to tack on additional fees to your lending contract. We communicate with clients and lenders to keep fees at a minimum.

No Closing Cost Options – Most Arizona loans will come with closing costs. At ABLEnding Inc. we work with clients and lenders to negotiate and lower these fees.

Mortgage and Amortization Calculator – Using the cost of your home and down payment, we can determine the estimated monthly payments you will be making on your loan. In Arizona, we provide budgeting and assist buyers in making the right choice for them.