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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

Athens, Texas News
Mail Call: Many thanks to our election workers

Athens - Regardless of our different ideas on the outcome of the election, March 2, I would like to thank the many people, aged l6 to 86, who worked the election for 12 hours that Tuesday.


ETMC Athens breaks new ground

Almost 25 years after it first opened south of town, ETMC Athens is going to expand.


Election line-up unusually full

The line-up card will be unusually full for Athens city and school board voters in May.


Athens Triathlon draws 300 riders

Mellissa Davidson of Little Rock, Ark., prepares her bike for the bicycle riding portion of the 25th Annual Cain Center Athens Triathlon Saturday.


3-7 Cookin lady gets a laugh.jpg

It won't be just meat and potatoes when students of the Taste of Home Cooking School begin serving the recipes they learned at Cain Center Thursday.


Athens and Decatur equine trails need help

Mark your calendars for March 13th to spend a fun day riding and giving back to your equine community.


Athens Rotary Club gives back

The Athens Rotary Club distributed over $7,000 to several local organizations on Thursday afternoon at its meeting held at the Athens Country Club.


Athens students work elections

Athens - Henderson County Elections Administrator Denise Hernandez had praise for the high school seniors who worked the polls on Tuesday.


21 Minutes Ago: Candidates near finish line

Candidates for Henderson County offices made one more stop near the end of the campaign trail at a forum at Mt.


Take a culinary journey with Taste of Home

Get ready. It's coming soon. It's new and fresh. It will tantalize your senses with a smorgasbord of mouthwatering sights and fresh picked flavors.


Ag Commissioner hopeful visits Athens

Hank Gilbert dropped into Henderson County Democratic headquarters Friday to tell why he thinks Texas needs a change at Agriculture Commissioner, and, by the way, some other offices as well.


Biggest Loser' fan favorite to appear in Athens

Even for those who aren't viewers of the TV show "The Biggest Loser," the name Abby Rike may sound familiar.


Spring Break Dilemma: South Padre Or Athens, Texas?

Kids, if you're looking for a change from the Spring Break crowds at Corpus, South Padre or even Galveston, the Texas Parks & Wildlife Department has an offer for you: Athens!! No, not Athens, Greece.


Athens Marine injured while in combat

U.S. Marine Lance Cpl. Michael K. Miller of Athens was involved in an IED explosion in southern Afghanistan on Saturday, Feb.


Athens High School choir entertains

Members of the Athens High School Show Choir entertain Athens Noon Kiwanis Club members with a few songs on Tuesday afternoon.


Arrests bring deep sigh of relief

Athens - The announcement Sunday that two men had been arrested in connection with 10 church fires sent ripples of relief throughout the east Texas region.


Argument leads to stabbing

A 54-year-old man was stabbed in Murchison Thursday after an argument with a family member in that city, Henderson County Sheriff's Office reports said.


87 Minutes Ago: Suspects in 10 church arsons - including three in Athens - arrested

Steven McCraw stood among a who's who of law officers from the federal, state, county and local levels Sunday afternoon at the Smith County Peace Officers Association building and said the words thousands of East Texans have been waiting to hear.


68 Minutes Ago: Breaking News: Officials say two arson suspects arrested

Athens - Investigators connected to the investigation of recent church fires in East Texas - Including three in Athens - said two suspects have been arrested Sunday morning The names of the suspects have not yet been released.


Two arrests made in East Texas church arsons

Authorities have arrested two men in connection with a series of church arsons in the Tyler-Athens area in recent weeks.


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"Every other company said they could not help us. After speaking to about five companies, we really believed that no one could. Then we called Somerset, and your company proved us and those other companies wrong. We can't thank you enough for all your hard work and effort in getting us a low fixed rate. We can now breathe easier..." - L. Braun
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