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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 TX

Call for COMPLETE details NOW!

(800) 675-9783

Alpine, Texas News
Pete A. Gallego Jr.

Pete Almodova Gallego, Jr., a lifelong resident of Alpine and son of a pioneering Alpine family, died at 12:01 a.m. Mountain Standard Time, on March 4, 2010.


Brooks makes baseball history

Spokane resident Tiffany Brooks has signed with the Big Bend Cowboys of the Continental Baseball League.


Alpine Juniorettes to help improve literacy

The GFWC Juniorettes of Alpine recently received the Focus on Literacy Grant from the General Federation of Women's Clubs, Washington, D.C. Funding is provided by Proctor & Gamble.


Cowboy Poetry

ALPINE The 24th Annual Texas Cowboy Poetry Gathering is scheduled to begin at 10 a.m. Friday in the Marshall Auditorium at Sul Ross State University.


DPS Helicopter Visits Sul Ross Students 2/23/10

Jay Hendricks 2/23/10 - A Department of Public Safety helicopter landed in a Sul Ross State University parking lot looking for students.


Alpine's Education Opportunity

In preparation for the adult education classes in Alpine and the surrounding area, instructors and administrators recently received training in distance learning.


City Council may join Alpine on lawsuit against Texas Open Meetings act

City Council on Tuesday will consider joining a lawsuit filed by the city of Alpine that alleges the Texas Open Meetings act violates the First Amendment rights of public officials.


Food Pantry of Alpine Volunteer Work

Twenty-three volunteers of the Food Pantry of Alpine participated in receiving, bagging, storing and delivery of the food from the West Texas Food Bank of Alpine Feb.


Wilbur (Bill) Holcomb Ford

Wilbur Holcomb Ford died in his sleep Wednesday, Jan. 27, 2010, at 10:33 p.m. at the Audie Murphy Veterans Memorial Hospital in San Antonio, Texas.


global microbrand case study: the lights jerky company

I'm happy to report that The Lights Jerky Company , based in my hometown of Alpine, Texas, has finally gotten their new website up.


Brewster County Murder-Suicide 1/22/10

Alan Waltrip 1/23/10 - The Brewster County Sheriffs Office is investigating an apparent Murder-Suicide. Sheriff Ronnie Dotson tells us that just after 7:00pm Thursday night, they received a 9-1-1 call from 59 year old Billy Key.


Robert F. Florstedt

Robert F. Florstedt, 92, passed away Jan. 16, 2010, at home surrounded by family.


Texas Traveler: Casa Mesa

Ed. Note : This is the third part in a series about traveling to Big Bend. Part one and part two covered heading west and the sublimely bizarre towns like Marfa along the way.


West Texas Weekly
An account of the news, events and goings-on in Alpine, Terlingua and Marfa for the week of January 14th-21st.
Concrete company looks at new sites after complaints

Complaints that a proposed concrete facility in Northeast Lubbock could pose health risks likely encouraged a company to consider different locations, Lubbock's mayor said Thursday.


Public matters shouldn't be kept private

Some Texas politicians are working to destroy that state's open government laws.


County Commissioners Approve Burn Ban in Brewster County

Elias Hernandez CBS 7 News December 28, 2009 Brewster County, Texas - County commissioners have approved a burn ban in Brewster County.


Sul Ross Law Enforcement Academy graduates largest class

The graduating class of the Law Enforcement Academy at Sul Ross State University stand together for a picture during the final week's 'Hell Day.' ALPINE The Sul Ross State University Law Enforcement Academy has an international flavor in this year's graduating class, its largest to date.


greetings from miami

Ia TMm down in Miami for two nights, attenA ding the Tech TuesA day party this eveA ning.


Antique Guns Stolen

Sul Ross State University Public Safety officers have released details on two antique guns stolen from the Museum of the Big Bend.


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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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