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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 NC

Call for COMPLETE details NOW!

(800) 675-9783

Bryson City, North Carolina News
Easter egg hunt season in WNC begins March 27

Smith-McDowell House Museum will host an Easter Egg Hunt from 10:30 a.m.-noon on March 27 on the grounds of the home, a restored circa 1840 mansion.


Harrah's Cherokee Casino & Hotel Honors Top-10 Outstanding Employees

CHEROKEE, NC a ' Harraha TMs CherokeeA CasinoA & HotelA honored its top performersA at a special banquetA Wednesday,A presentingA the 2009 Yonah of the YearA A Award and 2010A A Property Chairmana TMs AwardA toA 10 area employees from Cherokee, Sylva, Cullowhee, Bryson City, Waynesville and Lake Junaluska.


Swain County moratorium could stop Duke substation

Swain County has entered the fight over Duke Energy's proposed electrical substation that would mar views in a rural farming valley near a highly sacred Cherokee site.


Bench holds tradition of balanced temperament

Steve Bryant was fresh out of law school and just learning his way around the courtroom when the judge hearing his case one day threatened to throw him in jail.


Beer City Asheville: news and notes

Some of what I've picked up lately about the Asheville and Western North Carolina craft beer scene: Beer City Brew Fest: So we have the date, but still no word on where it will be held, or where and when we can buy tickets.


Swain starts to budge on Deala s Gap debate

Despite Graham County pledging to end all emergency services to Deal's Gap starting Jan.


WNC judge races previewed by Smoky Mountain News

There's at least nine and possibly 10 candidates running for the three seats. Two of three seats are being vacated by retiring judges.


AG Cooper to speak at meeting of western NC sheriffs

Events , Hayesville , Murphy - By admin on February 23, 2010 at 12:38 pm Bryson City: Attorney General Roy Cooper will speak to sheriffs from western North Carolina on Wednesday, February 17 around 12:00 noon in Bryson City.


WNC weather's fine - get outdoors

For the first time in the past couple of months, the weekend is arriving without the risk of a snowfall in Asheville.


Cooper Addresses Drug Abuse Among Kids

Prescription drug abuse is a popular trend among young people. Wednesday, February 17, 2010 That is one of the issues state Attorney General Roy Cooper will discuss with sheriffs from all over Western North Carolina Wednesday in Bryson City.


Swain jail may finally see return of federal prisoners to help offset costs

In rare good news for Swain County's jail, a new agreement will soon usher federal prisoners into the often half-empty facility.


Chocolate cook-off this Saturday

The Friends of the Marianna Black Library will host the third annual Chocolate Cook-Off from 2-4 p.m. Feb.


Changing consumer habits spell trouble for video stores

Published: Saturday, February 13, 2010 at 5:00 a.m. Last Modified: Saturday, February 13, 2010 at 12:36 a.m. How many of you know the first song played on MTV when it launched Aug.


Swain County workshop promotes environmental networking

Swain County workshop promotes environmental networking The first Swain Green Networking and Planning Workshop will meet Thursday in Bryson City to look at the threats and challenges to the western region's landscape and to explore opportunities to clean up litter, monitor and protect streams such as Alarka Creek and the Nantahala River.


Rediscovered photos, marker keep history alive

The story of the highest-ranking Mason in Asheville history - attorney Thomas Joshua Harkins, sovereign grand commander of the Southern Jurisdiction in the 1950s - came to light recently because of an interest in his library, enshrined for perpetuity in Asheville's Masonic Temple.


Great Smoky Mountains National Park's "Road to Nowhere" Saga Set to End Saturday

A decades-long dispute is expected to come to an end Saturday when Interior Secretary Ken Salazar travels to Great Smoky Mountains National Park to sign off on a monetary settlement over the "Road to Nowhere" saga.


Editorial: Smokies road saga coming to an end

The long-standing saga over the North Shore Road in the Great Smoky Mountains National Park is expected to end this morning with a vote of the Swain County, N.C., Board of Commissioners.


Feds to pay $52M for NC road still going nowhere

The federal government has agreed to pay a $52 million settlement so it will not have to complete the so-called "road-to-nowhere" through North Carolina's mountain wilderness, officials said Tuesday, ending a dispute that began during World War II.The payments destined for Swain County will be a boon for the area: The settlement is four times the ...


Feds offer $52 million settlement for North Shore Road

The federal government's offer fully meets to amount requested by Swain County leaders and suggested in the Department of Interior's Draft Environmental Impact Statement for the North Shore Road.


Snow, ice leaves more than 23,000 powerless in WNC

More than 23,000 customers remain without power after a storm dumped more than a half of foot of snow across Western North Carolina overnight.


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