Ray City, GA Mortgage Refinance in Georgia
We make it easy to get the lowest mortgage refinance interest rate in Ray City, GA.
Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Ray City, GA 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 Ray City, Georgia 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 Ray City, GA 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
Beat the Subprime Mortgage Crisis
Return to mortgage refinance in the state of GA
| Ray City, Georgia News |
Wreck victim identified
A three-vehicle accident in northern Lowndes County claimed the life of a Ray City woman Friday evening.
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Press Box gets 6-day suspension
Urged on by a rare show of force from police and city officials, the Licensing Board last night imposed a six-day suspension on the city's largest and most notorious bar and threatened to enact an earlier ...
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Deer-car collisions up in our area
Deer have been the cause of two Sheriff Department Vehicle crashes in Berrien County in just one week.
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Games firefighters play
Firefighters from Berrien County got together recently for the Firefighter Games in Nashville.
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10 Country: Greg's Imprisoned School
A sign that marks the Ray City Elementary School faded long ago, as well as the library sign hanging near-by. A dumpster sits within a few feet of a set of steps like a buzzard ready to eat road kill as soon as ...
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Moody A-10 aircraft experiences engine failure
An A-10C assigned to the 23rd Fighter Group experienced an engine failure at 3:45 p.m. Aug.
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Ray City hosts car show
Ray City volunteer firefighters are gearing up to host the Ray City Car Show this weekend.
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Ray City grant will help rid city of drugs
Police in one south Georgia city will soon have some new crime fighting tools. Senator Saxby Chambliss presented a $30,000 grant to the Ray City Police and Mayor Carl Camon Wednesday afternoon.
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Rant & Rave for Thursday, July 24, 2008
What concerns me is cheating through text messaging. It has become a problem among middle and high schools around the state.
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Rant & Rave for Thursday, July 24, 2008
What concerns me is cheating through text messaging. It has become a problem among middle and high schools around the state.
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South Georgia town preserves its history
David Miley a 70-year resident of Ray City, has always loved history. One of his dreams was to have historical museum highlighting the small town he's from.
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Rant & Rave for Thursday, July 3, 2008
We in Lake Park also have a problem with golf carts. They dart across the road and never look where they are going.
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Everyone loves a parade
The South Georgia Jeeping Associating makes its way down Main Street in Ray City Saturday during the Independence Day Celebration parade.
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From the publisher: Reedy Creek memories are haunted by its past
If you go to Screven, Ga. between Waycross and Jesup, turn left and continue on about nine miles you will come to the Reedy Creek Restaurant.
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Charles Earl Smith
Charles Earl Smith, 81, widow of Mae Bell Smith, died June 18, 2008, in Veterans Nursing Home after an extended illness.
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Walk-a-thon to remember Ray City man
A Ray City woman has found a way to honor her deceased father while raising money to stamp out the disease that took his life.
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Monday morning wreck
Volunteer firefighters from Ray City and New Lois were dispatched to the scene of a serious vehicle crash during early morning hours Monday.
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Community walking in love
It was April 2003 when Nikki Ballew discovered her father had a brain tumor. She was only 14, and did not immediately know how her entire world was going to change.
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Fuel truck collides with irrigation pivot
Investigators believe an irrigation pivot came off it's track and rolled right onto Highway 125 in Berrien County.
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Blaze inspires Berrien woman to fight fires
"She wanted to thank us for the work that we had done and wanted to get involved in the community" A tragic house fire led to a new career for a Berrien County woman. One year ago, her house burned, and she was so impressed by the firefighters who came to her aid, that she joined their ranks. via WALB-TV Albany
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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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"I prayed day and night for a miracle...In less than a week, (Somerset) was able to stop the foreclosure and get a new mortgage for me. It was the best of times...I have Somerset Mortgage Lenders to thank until eternity for the miracle they were able to make come true." - Diane B.
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