Appleton Refinance Success Story : Julie & Don

Mortgage and Lending with Hartford Financial Services - Wisconsin Mortgage Lender

Appleton Refinance Success Story : Julie & Don (Self-Employed)

Julie and Don have been married for over 15 years and purchased an Appleton Home in 2001.  Julie works in an executive position for a prominent company in the Fox Valley area while Don has been self employed in the service industry for over 20 years.   Much of their Appleton Mortgage Home Loan profile indicates that Julie and Don are of little risk.  Their credit profile reflects a perfect pay history on every trade line for both borrowers.  The home is located in an affluent area that has not experienced a substantial change in property values. 

Julie and Don decided that after paying on the original Appleton Mortgage for almost 12 years at a higher interest rate, it was time to refinance to shorten the term of their mortgage to try and get it paid off as quick as possible.  Although Don was a successful business owner and Julie was successful in her position, they were convinced that refinancing earlier would not benefit them based on the advice of family and friends.  They were told over and over that they needed the higher interest rate for the purposes of their income tax filings because Don was self-employed.

Initially, Julie and Don attempted to refinance through their local bank but the bank was taking too long. According to Don, they had applied for their new Appleton Mortgage two full months prior to contacting my office.  I explained that a lot of the larger full service neighborhood banks have a tendency to take longer than a specialty Appleton Mortgage Bank.  When Don asked his bank the status of his Appleton Mortgage Home Loan Application, he was consistently advised that the file was in underwriting and they would have an answer soon.  After tiring of the length of time and wait, Julie and Don moved forward and requested my help.

Not only was able to close their Appleton Mortgage Refinance in only 16 days, our loan terms were more favorable than the bank they had used for the past 20 years.  Much to their surprise, I was able to lower their mortgage interest rate down to 3.0% on a 10 Year Fixed Mortgage. Their payment was about $30 less than their current payment and they were able to eliminate over 8 years of mortgage payments.  I advised that the interest they are paying on the mortgage is still tax deductible as well as a portion of their closing costs from the previous mortgage.  This was something their family and friends did not know to advise them which would have benefited them much earlier had Julie and Don questioned a professional licensed loan officer. 

Julie mentioned that this was one of the best experiences she had experienced either purchasing a home or refinancing.  She also mentioned that she had heard many accounts of family and friends not being satisfied with their refinance and that she would recommend to anyone.  Julie has already recommended and referred four different people that have resulted in lower Appleton Mortgage Interest Rates for them.

Many Appleton Mortgage Companies say they offer the lowest mortgage interest rates but only comes through on the promise of low Appleton Mortgage Interest Rates with Speedy Closings (sometimes as little as 14 days!)  Your Appleton Home Loan Lender offers lending services that makes it easy for you to obtain financing for purchasing properties in Wisconsin as well as refinancing your existing Appleton Mortgage.  If you are ready for a no-obligation FREE financial analysis with your personalized Appleton Mortgage Interest Rate Quote, please contact my Appleton Mortgage Office at (920) 623-9242.  You can also visit our website at or my personal Appleton Mortgage Blog at  Sign up for our newsletter and we will provide you with Appleton Mortgage updates and helpful Mortgage Lending Trends and News.

You may now be eligible for our Appleton FHA Mortgage Interest Rate Reduction Program.  If you qualify for this Appleton FHA Mortgage Product, we may not require income documentation or an appraisal report to modify your existing Appleton Home Loan.  Qualified Mortgage Applicants will be able to lower their existing Appleton Interest Rate and Mortgage Payment if reasonable conditions are satisfied.  Call my Appleton Mortgage Office at (920) 623-9242 to see if you qualify for this Appleton FHA exclusive program.  Only qualified Appleton Mortgage Companies have access to this FHA loan product.  Call Today before this exclusive Appleton FHA Mortgage Loan Product goes away!


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Frank Pabon

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