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Kingsley, MI Mortgage Refinance in Michigan

We make it easy to get the lowest mortgage refinance interest rate in Kingsley, MI.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Kingsley, MI 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 Kingsley, Michigan 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 Kingsley, MI 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.

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 MI

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Kingsley, Michigan News
Voters reject almost all area tax proposals

School administrators in a few local districts soon will decide whether to put tax proposals back on the ballot after voters almost universally rejected millage requests.


46 TCAPS students have switched districts

Forty-six students left Traverse City Area Public Schools for other area schools after recent elementary school closings, district enrollment data show.


Kingsley motorist faces multiple charges

A Kingsley woman who allegedly sped past a police officer while under the influence of alcohol faces multiple criminal charges.


Granges are a far cry from their 'hayday'

Later this month, Marie Dean will take a jar of pickled beets and a homemade rum-flavored bundt cake to Grayling and compete in the 135th annual convention of what, unfortunately, is arguably a dying cause.


Mesick woman sentenced to prison

Nancy Lynn Peugh of Kingsley pleaded guilty to one count of child abuse fourth degree.


Search for missing man continues

Authorities continue to search for a Mesick man believed to have drowned in the Manistee River.


Science teacher takes over as East Jordan Middle School principal

East Jordan Middle School students were greeted by a new face in the principal's office when classes resumed this week.


Northern Notes: Volunteers made dinner special

Due to unexpected space constraints some of the people were left off the list of volunteers or donors who deserve special recognition for helping make the Community Meals Program's Easter Day Dinner successful.


Woman allegedly kicks police officer

A Kingsley woman faces criminal charges after she allegedly kicked a police officer.


School layoffs, cuts hit Suttons Bay

That's how Suttons Bay teachers, some with more than a decade of service, felt after their positions were cut from the district's 2008-09 budget.


Killer gets 50-75 years in prison

Angry gasps arose from a courtroom crowd as Jerry Jay Anderson smugly told a judge he treated the woman he killed better than her family treated her.


Video Glyph

Leaders from all corners of Grand Traverse County are getting together to share ideas and address common concerns.


Convicted Killer Admits To Murdering Local Woman

Today a convicted killer admitted to murdering a Grand Traverse County woman. Jerry Anderson pleaded guilty to second degree murder for the January stabbing death of his wife Gladys at her home near Kingsley.


Man pleads guilty in stabbing death

Jerry Jay Anderson appeared cheerful and spoke in a matter-of-fact tone as a judge asked him about the stabbing death of his ex-wife. A shackled Anderson, 47, described how he had a "heated argument" with ...


Mega Millions winner does not owe state any of his $34 million

Michigan's latest Mega Millions millionaire doesn't owe the state a penny for his five years of room and board in prison.


Nonprofit prepares to take over tctv2

A nonprofit organization will keep the film rolling on local public access television when it takes over operations next month.


Kingsley, Charlevoix road projects on tap

The season of the orange traffic cone returns. About $115 million in state road improvements are planned in coming months across northern Lower Michigan, including bike path, widening, resurfacing and bridge ...


Inmate uninjured after attempting suicide

The Grand Traverse County Jail will ban plastic and consider other new policies after a young woman attempted to suffocate herself in a shower room, the second such suicide attempt in recent months.


Memorial Day Services

Raising and lowering of veterans' flags, 7 a.m. and 5 p.m., Memorial Gardens, Veterans Drive, TC; call VFW Post Commander Jack Pickard, 499-4665. -- "Land of the Free" Memorial Day Cantata, 4 p.m., by Antrim ...


Girls on the Run shapes lives

The 5K run is just part of the picture. The 650 girls crossing the finish line Friday evening at Traverse City Central High School's track were already winners.


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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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