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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

Atascosa, Texas News
Conn, Canady to meet again in runoff

Wilson County News March 9, 2010 Comment on this article Just 87 votes separate Sara L. Canady and Anne Kilgore Conn in their race for the Republican nomination for Wilson County Pct.


Sheriff's reports

In addition to arrests, the sheriffa s office received 168 complaints the week of Feb.


Major changes needed on SBOE

Voters who care about the quality of public education and the economic future of Texas owe it to themselves to cast ballots in the State Board of Education races.


Award recognizes work toward abuse prevention

Nominations are being accepted for the second annual Guardian Angel awards, honoring volunteers, law enforcement officials and nonprofit professionals for their efforts to prevent child abuse.


Texas man loses arms and legs in copper theft

A Pleasanton man says he learned the hard way why it's not a good idea to steal copper.


Gators in the Valley? Who knew?

The Rio Grande Valley boasts balmy weather, pristine beaches, succulent citrus - and gators.


New hospital unveiled during on Jan. 16

John Monroe and his daughter Lindsay, 5, were among the hundreds of people who joined in he ground breaking of the new Mission Trails Hospital Jan.


Area job numbers hold steady

Kerr County's unemployment rate held steady in December at 5.6 percent - the same as November - and well below state and national unemployment levels.


Dense Fog Advisory

OVERNIGHT COOLING...WITH A SHALLOW LAYER OF MOISTURE WILL ALLOW AREAS OF FOG TO PERSIST FOR A FEW HOURS TONIGHT...WITH PATCHY DENSE FOG LIKELY.


Viewpoint: January is a good time to find a new job

Job-seekers in the San Antonio area may have noticed that the holiday schedule for most businesses has caused a slow-down in hiring for permanent positions.


Man believes he found site of bloody battle

The more Steve Ash wanders the damp sugar sands of his 4-acre homestead, the more historical artifacts he uncovers.


Rare northern wheatear spotted in Bee County

A bird usually found in the Arctic has turned up in south Texas. Willie Sekula with the Texas Bird Record Committee of the Texas Ornithological Society on Tuesday confirmed the sighting of the northern wheatear.


Ex-Poteet mayor allegedly violated probation

Former Poteet Mayor Lino Donato is accused of violating probation related to his guilty plea to child sex charges.


Tram offers carefree tours of South Texas wildlife refuge

For 15 miles, Bayside Drive at Laguna Atascosa National Wildlife Refuge winds through grasslands interspersed with brush, a waterside confection for nature lovers.


Fireworks vendors hope for big season

Michelle Centeno and other Alamo Fireworks workers unpacked box after box of pyrotechnics and waited for firecracker-happy customers to begin rolling up to the stand along U.S. 281 North.


State, county jobless rates decline

The state of Texas and Kerr County saw unemployment numbers decrease in the month of November.


Viewpoint: Gas tax will help Texas roads

John Carona, a veteran state senator and chairman of the Senate Transportation Committee, recently stated, "As chairman of the Senate Committee on Transportation and Homeland Security, I can attest that the only near-term answer to the transportation funding dilemma we are facing is to raise and index the gas tax.


Finally, dam repairs - " seven years later

Seven years ago, the then Texas Natural Resource Conservation Commission - " now the Texas Commission on Environmental Quality, TCEQ - " and Bexar County Judge Nelson Wolff, along with various other local and state emergency management officials stood near the Medina Dam giving a press conference in the pouring rain.


Rep. Yvonne Gonzalez Toureilles

State Rep. Yvonne Gonzalez Toureilles , whose House District includes Bee County, made her re-election bid for House District 35 official this week by filing the necessary documents and paying her filing fees at the Texas Democratic Party Headquarters in Austin.


Drug search leads to chop shop near home

San Antonio Police and Bexar County authorities discover a chop shop operation near an Atascosa home.


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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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