Ashland, OR Mortgage Refinance in Oregon
We make it easy to get the lowest mortgage refinance interest rate in Ashland, OR.
Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Ashland, OR 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 Ashland, Oregon 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 Ashland, OR 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 OR
| Ashland, Oregon News |
Best of the chefs
Chef Neil Clooney of Dragonfly prepares the meal for the third round of competition on Sunday at the Historic Ashland Armory.
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State budget cuts impact Ashland
Gov. Ted Kulongoski's announcement that he will order sweeping budget cuts because of Oregon's $140 million deficit left Ashland School District, Southern Oregon University and other public agencies worried ...
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Ex-officer surrenders on Ore. child abuse charges
A former police officer wanted on charges of encouraging child sexual abuse has surrendered in Jackson County.
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Gadabout Film Festival in Ashland TOMORROW
The 7th Annual Gadabout Traveling Film Festival, with Live Music and Art Where: Diversions When: November 17th, 8pm Cost: donation-based, no one turned away for lack of funds Heya! WHAT DO YOU WANT, NOAH? Funny ...
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Improv tonight in Ashland
They don't have a script, but they'll think of something tonight when Gumshoe Gourmet company gets together for an evening of improvisational comedy in Ashland.
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Authors and their books in Ashland
Lose yourself in a book and maybe even meet the author of it today during the annual Southern Oregon Book & Author Fair in Ashland.
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Police search for man charged with sex crimes
Police are asking for the public's help in finding a former police officer and Phoenix resident accused of online sex crimes with children.
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Ashland Council Race Gets Even Tighter
More votes have been counted from last week's election, and a tight city council race in Ashland has gotten even tighter.
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Mom Gets Jail for Using Kids to Solicit Cash in Door-to-Door Scheme
A Medford woman is going to jail and must pay restitution for sending her children door to door seeking donations for a trip to a volleyball camp.
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Elections in Ashland, Jacksonville still undecided
Associated Press A November 12, 2008 A ASHLAND, Ore. -- It isn't over until it's over.
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ASHLAND a " A Southern Oregon University student walked away from her...
A Southern Oregon University student walked away from her second day on "Who Wants To Be A Millionaire" with a cool $250,000. Brianne Sherman, 21, claimed her quarter-million in winnings after making it all the ...
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Expansion of Ashland Street building revisited
The Planning Commission will once again entertain a building expansion proposal by Coming Attractions Theatres at its Wednesday night meeting.
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Honoring the armed forces
Maggie Lander embraces longtime friend Ted Sockman this morning during the Veterans Day breakfast at Pioneer Hall.
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Oregon Shakespeare Festival director honored
Associated Press A November 10, 2008 A ASHLAND, Ore. -- Oregon Shakespeare Festival artistic director Bill Rauch has been named a United States Artists Fellow.
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It's hip-hop at the Ashland armory
Expect tunes of another sort entirely when the Historic Ashland Armory hosts a hip-hop concert tonight.
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Judge rules in favor of ex-Ashland charity
A federal judge in Oregon has ruled the government violated the constitutional rights of an Islamic charity by designating it as a terrorist organization without giving it adequate notice.
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Smith appears to edge out Olney for county commission
Incumbent C.W. Smith of Eagle Point held a razor-thin lead over Democratic challenger Jim Olney of Ashland in the Jackson County Board of Commissioners' race late Tuesday night.
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Will changes to Ashland council bring harmony?
With a new mayor and two new members, the Ashland City Council hopes to heal the damage to its image caused last year when it was branded "dysfunctional" and made national news for getting $35,000 worth of what ...
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Democrats in Ashland cheer wildly
First-time voter Simone Renee Moore, 18, embraces her grandmother Sandye Moore after the news of Barack Obama's victory Tuesday night at the Historic Ashland Armory.
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Stromberg leads race for Ashland mayor
With 63 percent of returns counted Tuesday night, voters appear to have elected John Stromberg as their new mayor, replacing John Morrison, who decided not to run again.
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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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