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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  

Local mortgage refinance directory for GA :
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Unadilla Union Point Upatoi Uvalda
Union City

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Georgia News
Obama's education law overhaul to focus on college

The Obama administration unveiled its plan Saturday to radically change his predecessor's No Child Left Behind law in hopes of replacing an accountability system that in the last decade has tagged more than a third of schools as failing and created a hodgepodge of sometimes weak academic standards among states.


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The rains have stopped and flood watches that covered North Georgia on Wednesday are but a memory, but Friday could bring some severe weather to the region.


Roethlisbergera S Lawyer Hires Private Investigator

An attorney for Pittsburgh Steelers quarterback Ben Roethlisberger has hired a private investigator to look into a sexual assault allegation made by a 20-year-old Georgia college student.


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Louisiana Man Arraigned in Georgia for Sex Trafficking Two Minors

DMARCUS ANTWAIN WARD, 25, of Minden, Louisiana, has been arrested and arraigned today by a United States Magistrate Judge.


Cox: Lottery Ticket Prices Should Be Raised To Help Education Costs

State schools Superintendent Kathy Cox says lottery ticket prices should be raised to help pay for K-12 education in Georgia.


Bill to lure filmmakers to Georgia may now be unnecessary

Legislation pending in the House to lure big-budget movie production companies to film in Georgia may not be needed after all, its sponsor, Rep.


Police make forgery arrest

A man who authorities believe lives in Florida - despite giving a North Carolina address - has been arrested for trying to pass a counterfeit $100 bill and being in possession of counterfeit $100 bills totaling $10,100. Angel Wilfred Leguisamon-Pena, 29, who police say may be from Orlando, was charged with one count of first degree forgery on ...


Perdue plan hits hospitals

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Perdue Proposes Deep Healthcare Cuts

Gov. Sonny Perdue is proposing deep new cuts to the state's healthcare providers, slashing the amount they receive for treating Medicaid patients and removing a sales tax exemption for non-profit hospitals.


Ga. man who posted 'Elton John must die' arrested

A Georgia man who posted a video of himself on the Internet holding a sign that said "Elton John must die" has been arrested for making terroristic threats.


Judge Blocks Hustler Request For Pics Of Murdered Hiker

A DeKalb County Judge temporarily stopped Hustler magazine from obtaining gruesome crime scene photos of murdered hiker Meredith Emerson.


Ga.'s system to defend the poor still reeling

Georgia's public defender system is still trying to recover its financial footing five years after a courthouse gunman racked up a $3 million taxpayer-funded defense tab on the way to his conviction.


Georgia legislature approves 'water wars' bills in overture to Alabama, Florida

Identical water conservation bills cleared both chambers of the state Legislature on Wednesday, an overture designed to help the state in negotiating a deal with Florida and Alabama over water rights.


Supporters of Georgia bill: Abortion providers are racist

A bill that would criminalize race-based abortions narrowly cleared committee at the Georgia Capitol Wednesday evening, drawing the Georgia General Assembly closer to a full-blown abortion debate.


King Family Suit Dismissed

A Georgia judge has dismissed most of the remaining legal claims in a dispute between the children of the Rev.


Senator Proposes Cutting 19 Superior Court Judges

Sen. Mitch Seabaugh is proposing cutting 19 superior court judges a move he says could save the state up to $14 million.


Woman Sentenced for FEMA Fraud

A 27-year-old Georgia woman was sentenced to a year in prison on charges of scheming to defraud the Federal Emergency Management Agency in the aftermath of Hurricane Katrina.


Chambliss and Perdue to host Crist

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Layoffs poised for Georgia colleges, but no pay cuts planned for their leaders

Last Monday's list of possible cuts at the state's 35 public colleges and universities contained 4,000 layoffs, enrollment caps and elimination of dozens of majors.


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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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