Appleton WI Refinance Success Story: Keith and Mary

Mortgage and Lending with Hartford Financial Services - Wisconsin Mortgage Lender

Keith and Mary L. purchased their home in 2008 with an FHA Mortgage Loan.They felt extremely lucky to get a home that they loved in a great neighborhood at a price that was within their budget.Keith and Mary noticed that FHA Mortgage rates had been at record low and wondered if now was the time to refinance the FHA mortgage on their home.

Many people were concerned about property values.Keith and Mary were no different.They said they were using property value websites to try and research what the value of their home would likely be.They were shocked to see that the value of their home according to these sites was almost $20,000 less than what they paid for the house!Keith actually told me that there was “absolutely NO way you can get this loan for me.”

Keith contacted me regardless of his assumptions to see if I could make it happen.He mentioned that the websites indicated his property value was too low and they had no equity.I explained to him that the websites are used simply as a guide.Plus, I surprised Keith when I told him our FHA Streamline Loan program did not require a new appraisal!

FHA Streamline Loans do not require a new appraisal.They were obviously excited to hear about that.After getting all of the required documentation from Keith and Mary, we were able to close their FHA loan in three weeks time.They were able to lower their interest rate by 2 full percentage points and saved them over $300 per month!These savings, they told me, was going to be used to pay down other debt that they had to improve their credit and make their life easier.

It goes without saying that my experience throughout the loan process was excellent. My entire closing team made sure that the process went smoothly and we signed our closing papers in our home! That’s right – will meet you wherever you want for your closing.

Every situation is unique, but if you’re in an FHA loan and you have a mortgage rate over 4.5% and you haven’t talked to a FHA Streamline Specialist about your ability to refinance – what are you waiting for? The average FHA mortgage rates have hit a new record low! With the holiday season right around the corner, now is the perfect time to refinance your FHA loan. Contact WI-Mortgage today at 920-623-9242.

If you are ready to purchase an Appleton Wisconsin home or need an Appleton Wisconsin mortgage, please call me at 920-623-9242 or visit my site:!


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Frank Pabon

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