Appleton Wisconsin Refinance Success Story: James

Mortgage and Lending with Hartford Financial Services - Wisconsin Mortgage Lender

Appleton Wisconsin Refinance Success Story: James


James, a 55 year old VA nurse, needs our mortgage assistance. James has a few issues with his finances.  James’s mortgage payment is way too high and his current lender will not refinance his Appleton Wisconsin mortgages. You see James has three mortgages – all with the same bank. The highest interest rate was over 8 percent.  James also had another issue – his current septic system needed to be replaced, he needed a new mound system. James currently pays more than half of his monthly income on his three Appleton Wisconsin mortgages.  


James has above-average credit and a completely updated home (other than the mound system) in rural Wisconsin.  


James’s main concern is declining home values in rural Wisconsin.  James thought he was stuck in her current situation and would not be able to consolidate the three mortgages and cash out the necessary funds to replace septic system. That would simply delay James’s plan of completing his dream home and saving money. 


James did not realize that FHA allows Appleton Wisconsin homeowners to cash-out funds up to 85% of its value.  We sat down in his beautifully remodeled home and went through all of the loan aspects and documents.


James was very organized and was able to provide all the pertinent documents for their Appleton Wisconsin Mortgage Refinance such as: 30 days of pay stubs, the last two years of income taxes, current mortgage statement, property tax bill, home owner’s insurance declarations page, 3 months of bank statements, retirement account quarterly statement, and the closing paperwork from his current high interest Appleton Wisconsin mortgages. was able to get James his new Appleton Wisconsin Refinance Mortgage in less than 3 weeks. was able to lower his new Appleton Wisconsin refinance mortgage payment by $100, escrowed his taxes and insurance, and cash-out $17,000. 


If you are ready to purchase an Appleton, WI home or need a Appleton Wisconsin mortgage, please call me at 920-623-9245 or visit my and!

You may now be eligible for an interest rate reduction. We may not require income documents or appraisal report to modify your existing Appleton Wisconsin mortgage to a lower rate and reduce your monthly payment! We recommend that you call to see if you qualify for the program.


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Frank Pabon

USDA, FHA, Appleton Home Loans 920-319-5368,
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