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Mortgage Refinance

We make it easy to get the lowest mortgage refinance interest rate in your area.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all you 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 your area 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 you 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 down payment on your home was less than 20 percent. If your home equity has increased since your purchase, you may have enough equity to eliminate 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.

Mortgage Refinance Calculators

Mortgage Payment Calculator
Refinance Savings Calculator
Refinance APR Calculator
Refinance Points Calculator  

Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis  

Return to mortgage refinance in the state of GA

Call for COMPLETE details NOW!

(800) 675-9783

Arabi, Georgia News
Artist, musician, writer

When I stepped on the front porch of Jane Schum's Arabi home, a gust of wind blew.


Sheriff's deputies probe burglaries

Burglars stole some rather unusual items in incidents Crisp County Sheriff's Department officers were recently asked to investigate.


Egypt: Hero's welcome planned for ex-nuclear boss

Egyptians plan to give the former U.N. nuclear chief Mohamed ElBaradei a hero's welcome when he returns home for a visit Friday, expressing high hopes he might challenge the longtime president for power and usher in an era of democratic reform in the country.


SGTC announces GOAL nominees

Instructors at South Georgia Tech have nominated several of their students for the Georgia Occupational Award of Leadership, according to Cynthia Carter, coordinator for the college's GOAL program.


Thieves "play' lottery

Thieves "hit" the lottery not in a normal manner but at the expense of a local convenience store owner instead.


Severe Thunderstorm Warning for Middle Ga. Counties

The National Weather Service has issued a severe thunderstorm warning for Crisp and Wilcox counties until 8 a.m. and Dodge, Laurens and Treutlen counties until 8:15 a.m. National Weather Service Doppler Radar indicated a severe thunderstorm capable of producing damaging winds up to 60 miles an hour.


Vehicle accidents leads to pair of arrests

Charges were filed charges against both persons involved in a Friday morning accident in the 1000 block of 13th Ave.


Lights! camera! action

Joseph Lavender is making a movie, and he will be looking for local actors. For anyone who has acting aspirations, this may be their big chance.


Hell And High ... - T. Graham Br...

T. Graham Brown rose to country stardom through the uniquely Southern phenomenon of beach music, a party-ready mix of old-time rock & roll, R&B, country, and blues.


Police make aggravated stalking charge

City police officers have charged a Crisp County man with aggravated stalking after he allegedly made contact with a woman he had been told to avoid.


Deputies make arrests in trio of theft cases

Would-be thieves were allegedly caught in the act by their intended victims in three incidents Crisp County Sheriff's Department officers were asked to investigate last week.


Patient not happy with clinic

I was recently sick, and where do you go when you're ill and do not have a "regular" physician? You go to a walk-in clinic.


Candidates qualify

Qualifying for elections in most of the cities throughout the three-county area ended Friday at 4:30 p.m. City elections will be held Tuesday, Nov.


Burglaries solved

Crisp Sheriff Donnie Haralson has announced the arrest of three individuals in connection with recent break-ins at Nationwide Homes in Arabi.


Governor Perdue Announces Nearly $37 Million in Grant Awards

Governor Sonny Perdue September 3rd announced Georgia has been awarded nearly $37 million in federal grants from the U. S. Department of Housing and Urban Development for the state's Community Development Block Grant Program and Community HOME Investment Program .


Armed robbers hit Arabi store

Crisp County Sheriff's Department deputies are continuing their investigation of a Saturday night armed robbery at an Arabi convenience food store.


Trio faces cocaine trafficking charges

Drug Task Force agents filed conspiracy to trafficking in cocaine charges against three men in mid-August. Crisp County Sheriff's Department records identify the trio as Willie Dewayne Butts, 30, Roosevelt Coney, 38, and Troystavious Jamar Hewitt, 22.


Trio faces cocaine trafficking charges

Drug Task Force agents filed conspiracy to trafficking in cocaine charges against three men in mid-August. Crisp County Sheriff's Department records identify the trio as Willie Dewayne Butts, 30, Roosevelt Coney, 38, and Troystavious Jamar Hewitt, 22.


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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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