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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 WI

Call for COMPLETE details NOW!

(800) 675-9783

Three Lakes, Wisconsin News
Weight restrictions start; trails still open in Vilas

With the spring-like weather and warm temperatures the past four days, highway officials have announced seasonal weight restrictions on area roadways.


The Pointer on the Hub: "Taste of Wisconsin" showcases some of State's finest

Central Wisconsin Hub will occasionally post stories from the University of Wisconsin-Stevens Point's student newspaper The Pointer.


School banking on voters

Voters in the northwoods will be watching referendum results from the Rhinelander and Three Lakes school districts closely Tuesday, as they struggle to meet operating costs in an age of dwindling enrollments and state aids.


Three Lakes eyes bike trail project to the south, east

Three Lakes officials are reviewing plans for a bike trail extension that would go south and east to the golf course, and could someday link the town to a trail system in the national forest.


Primary Elections Set for Tuesday

We're just a day away from this year's spring primary. Several races are happening in Northcentral Wisconsin.


Bruner, Vivian J.

Vivian J. Bruner, 82, Green Bay, formerly of Three Lakes, Wis., and Chicago, found peace early Wednesday morning, Feb.


Haiti relief effort dinner set Friday in Three Lakes

While the North Woods is more than 2,000 miles from Port-au-Prince, Haiti, local businesses and organizations are trying to do what they can to aid the victims of the Jan.


Three Lakes district ranks as most frugal, report shows

Even with the passage of two referendums over a six-year period, the Three Lakes School District is one of the most frugal government entities in the region, a new tax report shows.


Adult Diploma Academy helps dropouts change their lives

MERRILL -- After dropping out of high school in his senior year, Ben Blood was convinced his education was over.


Wright, Wayne M.

Wayne M. Wright, 57, Green Bay, passed away Tuesday morning, Jan. 12, 2010, at home surrounded by his loving family after an 18 month battle with pancreatic cancer.


Santa, ice shanty parade set Saturday in Eagle River

The Eagle River Business Association will sponsor its annual parade with Santa Claus and his reindeer Saturday, Nov.


NR 115 compromise revives 300-foot zone for impervious

A compromise package of final revisions to the state's NR 115 shoreland protection rules includes the original 300-foot zone for impervious surface restrictions, an official said Monday.


Quilts raise money for Northwoods campers

A faith-based camp in the Northwoods is raising money for a program that helps families in need pay for camp.


North Woods schools close due to influenza-like illness

A high incidence of influenza-like illness among students and staff resulted in the closure of several area schools the past week, according to public health officials.


Stimulus funds go to rural Wis.

Thursday, October 15, 2009 2:50 a.m. Vote 0 Votes The United States Department of Agriculture announced Wednesday three rural Wisconsin community facilities will receive stimulus funding for health care and public service projects.


Millard, Three Lakes grad, pictured on cover of Time

The injured Sparta soldier pictured on the cover of Time magazine last week grew up in Oneida County, and graduated from Three Lakes High School in 1995.


Area towns win state AIS grants despite shortfall

Little St. Germain, Long among the funded lakes State grants will aid the battle against aquatic invasive species in the towns of St.


Pines, Three Lakes, Phelps schools improve on ACT scores in 2009

Seniors in the class of 2009 at Northland Pines, Three Lakes and Phelps saw their scores on the American College Test improve over the previous year and out-performed their peers nationally.


Bits and Pieces for Sept. 12

A group of us have inadvertently set up a traditional route for our Labor Day Sunday activities.


Strong support for NR 115 tempered by business relief

Legislators heard strong support for the state's revised shoreland zoning codes at a hearing in Three Lakes last Thursday, but even many proponents suggested relief for business districts in unincorporated areas.


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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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