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Wells, MI Mortgage Refinance in Michigan

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

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Wells, 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 Wells, 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 Wells, 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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Wells, Michigan News
Business people

* Roger Wells and Lisa Yonkus have joined Delta Township-based Coldwell Banker Hubbell Briarwood Real Estate Co. as new agents. Wells is based at the DeWitt office, Yonkus is at the East Lansing office. * Thomas Kivell has joined Charlotte-based Spartan Motors Inc. as vice president and general counsel. * Lansing resident Mark Osgerby has joined the Lansing-based Michigan Optometric Association as communications coordinator. * Charlotte resident Stacy Tapscott has joined the Physical Rehabilitation Department of Hayes Green Beach Memorial Hospital in Charlotte as an occupational therapist. * Lansing resident Jessica Makolin has joined the Michigan Recreation and Park Association in Okemos as communication coordinator. * Tim Walling has joined Dart Bank in Mason as vice president/commercial and agricultural lender in the Mason office. * Sarah Jackinchuk has joined Lansing-based Ameri Pro Restoration LLC as client communications specialist. * Ed Terris has joined Lansing-based Peckham Inc. as director of manufacturing. * Michigan State University alum-- nus Bob Cook has been inducted into the 2008 Broadcasting & Cable Hall of Fame. Cook is president and chief operating officer of Twentieth Television Inc., a Los Angeles-based unit of New York's News Corp. * Dr. Mary Nettleman, Michigan State University College of Human Medicine professor, has won the 2008 Charles C. Shepard Award for scientific excellence sponsored by the Atlanta.-based U.S. Centers for Disease Control and Prevention. * Ciesa Design, a design studio in Lansing, received the 2008 Governor's Award for Arts and Culture in the exemplary business category. * The following have been recognized for their sales performances in the Excellent Beginnings program of Bensenville, Ill.-based Lia Sophia. Melinda Banks, of Grand Ledge; Heather Klatt, of Laingsburg; Christina Bozzo and Melissa Kleiver, both of Lansing. * Matt Bowler, of Delta Township-based Coldwell Banker Hubbell Briarwood Real Estate Co., has been named the Greater Lansing Association of Realtors 2008 Realtor of the Year. * Lesley Simpson has been promoted to foster care program manager for the Lansing office of Detroit-based Lutheran Social Services of Michigan. Simpson previously was program manager for the organization's family reunification program. * The following have been promoted at Okemos-based Delta Dental of Michigan: Gary Clark, of Lansing, to director in underwriting and sales administration, from underwriting manager; Toby Hall, of Dexter, to director and chief actuary, from associate actuary; Brad Ross, of Bath, to director in information systems and services, from manager; Randy Tasco, of Orion Township, to vice president of sales and account management, from vice president of account management; and Wael Awad, of Dewitt, to director in Information Systems and Services, from manager. * Deborah Delong, of Lansing, has been promoted from adviser to unit manager at Bensenville, Ill.-based direct sales fashion jewelry business Lia Sophia. * Greg Rambat has been promoted to director of membership growth, from senior sales account executive, at the Lansing-based Small Business Association of Michigan. * Christina Jackson has been promoted to account executive, from marketing account coordinator, at Lansing-based Pace and Partners Inc., a full service marketing firm. * The following have been promoted at Mason-based Dart Bank: Nanette Listing to assistant vice president of operations, from operations officer and Scott Cornell to information technology officer, from information technology manager. * Michelle Gallagher, owner of Gallagher & Associates CPAs PLC in Lansing, has received the certified in financial forensics professional designation from the New York-based American Institute of Certified Public Accountants. Business People items must be submitted by 5 p.m. Monday a week before publication. Information must be resubmitted for each week it's to be published. Send to Business Calendar, Lansing State Journal, 120 E. Lenawee St., Lansing, MI 48919; fax 377-1298; e-mail business@lsj.com.


Roses & Raspberries

To Janet Armour and her loyal staff at Springfield Landscape Material. Janet is closing her business after 13 years serving the Battle Creek landscaping, gardening and birding communities.


Daily Press staff snags five in awa.....

"One of the most important things a newspaper can do is go to bat for its readers, and it's nice to have those efforts recognized"

' The Daily Press has received four Good News Awards and one Michigan Associated Press Managing Editors Association Award. via The Daily Press


Armory getting $700,000 in improvem.....

"The $700,000 appropriated for the project will cover upgrading the facility to bring the armory up to current health code standards"

' Major changes are underway at the Michigan National Guard Armory in Gladstone. via The Daily Press


Diane K. Delvaux

Diane K. Delvaux, 70, of 6397 N. 8th St., Wells, died Sunday morning, May 11, 2008, at home, with family near her side. via The Daily Press


Shrine Circus back in Escanaba

"When they go on those ropes and use their feet to climb up the ropes, I think that is pretty cool"

While it's not under the big top, the Shrine Circus filled Wells Sports Complex in Escanaba with crowds and three rings of talented performers on Sunday. via WLUC-TV Negaunee


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