Home Mortgage Refinance
Refinancing your current mortgage can offer you valuable benefits, based on your home’s equity and current loan terms.
Refinance your home loan to pay off your home sooner, lower your payment, or access the equity in your home for cash out.
A mortgage refinance from Amegy Bank can shorten your mortgage term. That, in turn, can lower the amount of interest paid over the life of your loan. With enough equity in your home, there may be options for cash out to pay for home improvements or other expenses. Alternatively, you may have an adjustable-rate mortgage and are now ready for a fixed-rate option.
Home Refinancing
Refinance options are available for the following:
Fixed-Rate Mortgages
Adjustable-Rate Mortgages (ARMs)
Home Construction Loans
FHA Mortgage Loans
Jumbo Loans
VA Mortgage Loans
Take a closer look at Home Refinance Loans
Advantages
- A reduced number of years to pay off your loan compared to our current mortgage.
- A great low rate is locked in for your entire refinance term.
- Save money with a lower mortgage interest rate.
- Leverage cash out for home improvements or other expenses.
- Local decision-making simplifies and speeds up the application and approval process.
Things to think about
Considerations
- Cash flow can be improved by refinancing over a longer term.
- A Fixed Rate Mortgage offers a great rate with the same monthly payment.
- An Adjustable-Rate Mortgage can lower payments if selling in a few years.
- A cash-out refinance can help you pay for or finance home improvements.
- You also can consolidate other debt at a low rate with a cash-out refinance.
- We can help you find the right refinancing option for your specific needs.
Keep your rate and your payments steady over time.
Consult a Mortgage Loan Officer
We’re proud of our history of investing in communities and client relationships. Our residential mortgage team works closely with you to assess your needs and offer the loan that will work for you.
The Possibility of Falling Rates
Down the road, if interest rates are falling, you may be able to achieve lower interest rates and lower payment without the need to refinance. The new adjusted rates are based on current market rates.
Use Our Relationship to Pay Less
We value the relationship. When applying, check with your loan specialist to find out what relationship discounts may be available for your refinance loan.
Put 20% Down to Avoid PMI
With a conventional mortgage, you may need to purchase and pay for Private Mortgage Insurance (PMI) if your down payment is below 20% of the sales price. Bottom line? It helps to have 20% down when you buy.
Apply today for your home loan.
It only takes about 15 minutes to apply using this application. Be ready with: Social Security Number and date of birth (borrower and co-borrower), home address and phone number (mailing address if different from home), previous address (if at residence less than 2 years) and gross monthly income.
Didn’t find what you were looking for? Consider these other financing options:
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Home Loan Resources
Home Loan Application
Home Loan Calculators
Home Equity Credit Line
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