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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

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(800) 675-9783

Atlanta, Texas News
REVIEW: - Dixie Swim Club' swimmingly good

The laughs just keep coming throughout the Warehouse Living Arts Theatre production of "The Dixie Swim Club," a story about five southern women who met at age 18 when they were all members of a swim team.


Overpass to close for repair work

Repairs on the Rosborough Springs Road overpass close the bridge for three nights next week.


ATF in Atlanta, TX investigating saw mill fire

A team with the Alcohol, Tobacco, Firearms and Explosives bureau is now investigating a major fire at an Ark-La-Tex sawmill.


WhiteGlove raises $7.7 million for expansion

Austin-based WhiteGlove House Call Health Inc. has raised $7.7 million in venture capital to expand outside of Texas.


Suspects Arrest in Burglary at Atlanta High School

Atlanta police have detained two suspects in a Sunday morning break-in at Douglass High School.


I-20 - Rosborough Springs Road overpass closed

An accident Monday closed down Interstate Highway 20 and Rosborough Springs Road, according to a press release issued by the Texas Department of Transportation Atlanta District.


Road to be named for slain trooper

State lawmakers and transportation officials are scheduled to join the family of a slain lawman this morning to honor him.


Two arrested for assaulting Atlanta, TX teens

ATLANTA, TX Texas authorities have arrested two men on charges related to the sexual assault of two Atlanta, TX teens back in January.


Homebuilding figures that look bad in Dallas are good by comparison

The last few years couldn't have been much worse for the North Texas homebuilding business.


Calhoun, Dove Hunter Recording

Calhoun is getting ready to record with James Barber , who produced Ryan Adams ' critically lauded Rock N Roll album and also Courtney Love 's America's Sweetheart , as first reported on Blotch .


Joanne Sigler: Having your own wheels means freedom

Remember when you bought your first car? What a tremendous adventure. Having just graduated from Centenary in May, hired for my first job in Longview, Texas, at the high school and renting a room with the Riggs family, I had been reborn.


69 Minutes Ago: White House defends year-old stimulus

President Barack Obama, defending his economic stimulus plan on its first anniversary, is dispatching his Cabinet across the country to try to calm an anxious public as Democrats head into potentially devastating midterm elections.


Power Outages, Ice Slow Southern Snow Cleanup

The Big Chill turned into the Big Dig on Saturday for many Southerners -- the Americans who least expect to open their doors to see up to 1 foot of snow.


Airlines cancel flights as winter storm hits South

Originally published February 12, 2010 at 11:32 a.m., updated February 12, 2010 at 12:42 p.m. ATLANTA a ' Airlines canceled hundreds of flights Friday as snow pounded parts of the South and threatened to dump several inches of white on Atlanta, home to the world's busiest airport.


Cold cancels Killeen flights

By Jade Ortego Killeen Daily Herald Eight out of 11 scheduled flights from Killeen were canceled Thursday due to snowfall in the Dallas-Fort Worth area.


The First Black Female Aviator: Bessie Coleman

Bessie Coleman, the daughter of a poor, southern, African American family, became one of the most famous women and African Americans in aviation history.


Prescribed burn demonstration in Atlanta Feb. 18

The East Texas Timberland Owners' Association, in conjunction with the Northeast Texas Society of American Foresters, will conduct a Prescribed Burn Demonstration and Discussion Meeting on February 18, 2010 at Charles Snowden's Tree Farm, 1170 County Road 3544 in Atlanta, Texas.


SFA ad design program to screen 'Art & Copy'

Advertising slogans such as "Just Do It," "I Love NY," "Where's the Beef?" and "got milk?" are explored in Doug Pray's documentary "Art & Copy," which the SFA School of Art will present at 7 p.m. Friday, Feb.


Bessie

Elizabeth "Bessie" Coleman born in Atlanta, Texas was the first African-American to be licensed to fly.


News Team

Gary Reaves previously worked for Channel 8 from 1982 to 1986, returning in 1991 after five years as a correspondent for CBS News, where he divided his time between the CBS Evening News and Sunday Morning with Charles Kuralt.


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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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