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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 PA

Call for COMPLETE details NOW!

(800) 675-9783

Ashland, Pennsylvania News
Police Blotters 3/11/10

On Monday, March 8, Ashland police responded at 10:24 p.m. to 2108 Centre St. for an unwanted person at that location.


Noteworthy 02-28-10

Geisinger gastroenterologists are now providing endoscopy services at Shamokin Area Community Hospital .


Snow removal a headache for northern Schuylkill communities

Jacqueline Dormer/Staff Photo With one loader, two dump trucks and less than a handful of borough employees, Mahanoy City is struggling to remove the snow that has made driving on some borough streets treacherous and finding a parking place an industrious endeavor.


Firefighters quickly put out blaze at Smokin' Joe's

Borough firefighters responded quickly to a fire around noon Saturday that limited damage to a downtown Ashland business.


Semifinalists named for Schuylkill Junior Idol

The names of the six vocalists who will compete in round 4 of Schuylkill County Junior Idol II were revealed Wednesday, according to a spokeswoman from Schuylkill Mall.


Police Blotter

Four people were injured in a three-vehicle crash at 12:05 p.m. Saturday on Route 61 near the Wal-Mart entrance.


Ashland Area Rotary Club

Dave "Big Owl" McSurdy presented a history of the Lenape tribe of American Indians who resided in the area during last week's meeting of the Ashland Area Rotary Club.


College News: Millersville dean's

Five area students have been named to the dean's list at Millersville University for the fall 2010 semester.


Councilman suggests creating student council member seat

Based on a suggestion by one of its new members, borough council will consider adding a junior council member.


Noteworthy 02-10-10

The borough declared a snow emergency that was effective Tuesday night and continues this morning.


Snow Announcements

Keystone College vs Rosemont College basketball doubleheader on Saturday has been postponed to Sunday February 7, with the women's game beginning at 11am, followed by the men's contest at 1pm.


Noteworthy 02-06-10

Borough residents are reminded that parking on Chestnut Street is prohibited in the event of a snowstorm with a predicted accumulation of 6 inches or more until the snowfall ends and Chestnut Street is plowed to the curb.


Magisterial District Judge John Gembic III 02/03/10

Gene Allen Derr Jr., 32, of 114 E. Sunbury St., Shamokin, waived to court Tuesday charges of theft by unlawful taking, receiving stolen property and criminal conspiracy to commit theft relating to a November incident on Route 61 in the area of Maysville Storage Park.


Bible school students make comfort blankets

The children in the Sunday school program at Good Shepherd Lutheran Church in Ashland made comfort blankets that will be given to children seen in the emergency room at St.


Police charge 2 men with cattle rustling

Police have accused two men, from Dalmatia and Ashland, of stealing six cows worth $3,900 from a Herndon farm last July.


Mount Carmel Area High School Class of 1999

Font size: [A] [A] [A] share this SUBMITTED PHOTO Mount Carmel Area High School Class of 1999 Mount Carmel Area High School Class of 1999 celebrated its 10-year reunion Nov.


Welker 50th anniversary

Mary and Daniel C. Welker, of 1523 Hollow Road, Sunbury, celebrated their 50th wedding anniversary Aug.


4 injured in crash on icy road4 injured in crash on icy road

Icy road conditions contributed to a one-car accident Monday morning along Big Mine Run Road that resulted in injuries to four Ashland residents.


Military Addresses

Family members are invited to submit addresses of military personnel for publication.


Council president resigns

One of the first orders of business during Monday's reorganization of Ashland Borough Council was to accept the resignation of its president, Michael A. Groody.


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"...I was sure that Somerset was the right choice...they couldn't have been more compassionate or understanding...I just couldn't believe that this all happened within a week...Thanks to my loan officer and all the rest of those great people at Somerset, my family will be able to stay in the only home they have known for some time, without fear of being put out." - Tom N.
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