Did you ever miss the Boat , "Should I Refinance my Mortgage"?

Mortgage and Lending with Island Lending Hawaii, LLC | Equal Housing Lender | NMLS 312250 NMLS# 312260 / 1460208

Her is the Questions many of us are asking :  Should I Refinance my Mortgage ?

Or should I live by the Slogan :  " I MISS THE BOAT !" 

Here are couple of Hints. 

You Should Refiance if :  

a, Interest rate have decreased since you took out your current Mortgage.

b, Your Credit has improved sicne you took out your current Mortgage leading to a better interest rate.


The Top 7 Reasons Homeowners Refinance :

1, To Save Money on Interest Payments

2, Lower Monthly Mortgage Payments

3, To Consolidate Other Debt

4, To Invest Home of Life Projects

5, To Adjust the Term of the Mortgage

6, To Consolidate Muliple Mortgages ( Like HELOC ) 

7, To Adress Recent Family Matters 


So here is the bottomline :

Many of us have different reasons and it is up to the individual to determin their financial Goal . 

The best way to determin is to see a Mortgage Professional,  providing you with Mortgage Breakdown before and after .  

Remember : Numbers don't lie !



Posted by

George Thoma     | NMLS 312260

Branch Manager  | Island Lending Hawaii LLC . | NMLS 1460208 

Phone: 808.357.9791 | Fax:  808.441.5341

Email: gthoma@ilhillc.comMy Website 


33 N. Market Street, Wailuku, Hi 96793


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