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Alachua, FL Mortgage Refinance in Florida
We make it easy to get the lowest mortgage refinance interest rate in Alachua, FL.
Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Alachua, FL residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.
When Should I Refinance?
The best time to refinance is when interest rates in Alachua, Florida drop below the rate of your current mortgage. With a lower interest rate, you'll save money on your mortgage payment every month. Be sure to read our article titled Reasons to Refinance Now.
Turn Your Adjustable Rate into a Fixed Rate
With adjustable rates on the rise Alachua, FL residents can benefit greatly from refinancing your home for a low fixed rate. These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.
Cash-Out Refinancing
Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash. You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt. How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.
Eliminate PMI
Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent. If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.
Save Thousands in Interest
When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years. Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan. However, in the long-term you are saving thousands in interest. And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.
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Refinance Articles
Reasons to Refinance Now
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Return to bad credit mortgage refinance in the state of FL
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| Alachua, Florida News |
As Florida budget is cut, hospitals bleed
After weathering back-to-back budget cuts, Florida hospitals now face a $137-million reduction that could soon put the state's health care system into crisis and lead to the closure of some facilities, ...
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Robbers kick their way into Alachua home
Published: Tuesday, January 6, 2009 at 2:30 p.m. Last Modified: Tuesday, January 6, 2009 at 2:30 p.m. Three men, one armed with a gun and all disguised with ski masks, broke into a locked Alachua home and ...
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Florida 4-H to celebrate 100 years
In 2009, Florida 4-H Youth Development will celebrate 100 years of teaching youth to become community leaders with their head, heart, hands and health at the Florida State Fair.
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Applications pour in to Alachua Lowe's
Published: Saturday, January 3, 2009 at 6:01 a.m. Last Modified: Friday, January 2, 2009 at 9:12 p.m. Lowe's Home Improvement has been deluged with applications for its new Alachua store, slated to open in late ...
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Dog days for Alachua cops
Published: Thursday, January 1, 2009 at 6:01 a.m. Last Modified: Thursday, January 1, 2009 at 12:05 a.m. An officer with the city of Alachua Police Department, who had been called out to a report of a dog ...
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Alachua Conservation Trust adds 2 new sites
Published: Tuesday, December 30, 2008 at 6:01 a.m. Last Modified: Monday, December 29, 2008 at 11:42 p.m. Two pieces of southwest Alachua County land that have been host to endangered whooping cranes and harbor ...
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'Harmless' makeshift bomb found in mailbox
Published: Sunday, December 28, 2008 at 6:01 a.m. Last Modified: Saturday, December 27, 2008 at 10:42 p.m. A suspicious metal container found in a Turkey Creek mailbox on Saturday morning was detonated by ...
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Ruby Lee Dukes
Ruby Lee Dukes, 80, of Umatilla, died Friday, Dec. 19, 2008 in Eustis, Fla. She was born in Alachua, Fla.
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U.S. Patent Disclosures
7,456,027, titled "Proteolytic Biomarkers for Traumatic Injury to the Nervous System." It covers a method of determining the presence of neural injury through the measurement of proteolytic breakdown products ...
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Around the Region
Published: Saturday, December 20, 2008 at 6:01 a.m. Last Modified: Saturday, December 20, 2008 at 12:51 a.m. Police Beat Woman in fatal crash identified The driver killed in a firey one-car crash on Thursday ...
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Williston gets first motorcycle patrol officer
Matthew Fortney's 12-year career with the Williston Police Department has included thousands of hours in training for learning things such as methods for defusing domestic disturbances, SWAT team techniques and ...
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Andy Andrews can vote in Chiefland
Chiefland businessman A.D. "Andy" Andrews can vote in Chiefland city elections, but the judge who granted Andrews' request says the ruling is exclusive to Andrews.
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Keep your shorts on for the holidays
Published: Wednesday, December 17, 2008 at 6:30 a.m. Last Modified: Wednesday, December 17, 2008 at 5:43 a.m. Stop dreaming about a white Christmas if you are planning to hang around Florida for the holidays.
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Alachua man arrested for firing gun outside 'for fun'
Published: Tuesday, December 16, 2008 at 10:45 a.m. Last Modified: Tuesday, December 16, 2008 at 10:45 a.m. An Alachua man was arrested late Sunday after he told police he was firing a gun outside an apartment ...
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Weather watches & warnings: Tornado watch canceled for Big Bend
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Alachua police chase ends with two arrests
Published: Friday, December 12, 2008 at 2:46 p.m. Last Modified: Friday, December 12, 2008 at 2:46 p.m. Alachua Police arrested two men after a pursuit of a stolen vehicle where one officer's car was almost ...
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Area needs more rain
Published: Friday, December 12, 2008 at 6:01 a.m. Last Modified: Friday, December 12, 2008 at 2:52 a.m. Area wildfire officials were disappointed Thursday after a line of thunderstorms dropped only a half-inch ...
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Census searching for workers
Published: Monday, December 8, 2008 at 6:30 a.m. Last Modified: Monday, December 8, 2008 at 6:01 a.m. Manuel Landivar has what a lot of people are looking for right now - jobs with above-average wages and ...
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McAlpin woman not to blame in fatal High Springs crash
Police investigators have concluded that the death of 51-year-old Cheryl Everly of McAlpin was the fault of the driver of a minivan that pulled into the path of her motor scooter on Aug.
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Road construction around North Florida
Published: Monday, December 8, 2008 at 7:37 a.m. Last Modified: Monday, December 8, 2008 at 7:37 a.m. Road work will be continuing along roads in several North Florida counties this week, the Florida Department ...
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With Somerset's many FHA home loan programs, owning your dream home is more than just a dream.
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"Our family would like to thank Somerset Mortgage Lenders for getting us out of foreclosure. Without your help we do not know what would have become of our family. When we first called, we were in Chapter 13 bankruptcy...Not only will we now be able to keep our home, but we'll be able to put ourselves on track financially, thanks to all the efforts of the wonderful people at Somerset. We will be forever grateful to you all." - Scott & Amy
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