Should You Refinance? A refinance is simply replacing your current loan with a new loan. When you choose to refinance, you can expect to follow the same application process as when you originally purchased your home. Making the decision to refinance is often based on a number of factors that include:

• ~Taking advantage of lower interest rates.
• ~Reducing your interest rate risk by switching from an adjustable-rate or balloon loan to a fixed-rate loan.
• ~Reducing the amount of interest paid over the life of your loan by shortening the term of your loan.
• ~Paying off your home sooner by reducing the term of your loan.
• ~Taking advantage of available equity in your home to pay off other debts or make improvements to your home.

                                                   Your Home Loan Options

FHA, VA, and Conventional Financing. When you apply for a home loan, you may have the opportunity to select between FHA, VA, or Conventional financing.  An experienced loan officer can help you determine the best program to meet your needs.

Whether you're buying a new home or refinancing your current mortgage, Breeze Funding has the experience, flexibility, products and services you need at rates and terms you can afford.