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Ashland, OR Mortgage Refinance in Oregon

We make it easy to get the lowest mortgage refinance interest rate in Ashland, OR.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Ashland, OR residents 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 Ashland, Oregon 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 Ashland, OR residents 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 downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate 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 OR

Call for COMPLETE details NOW!

(800) 675-9783

Ashland, Oregon News
US doctors pay to hear Ore. town's vaccine views

Fri, Jan 9, 2009 There are so many parents in this free-spirited, unconventional small town who won't get their kids vaccinated that federal researchers are paying money just to hear their side of things.


New Ashland council also starts tonight

A new Ashland City Council and mayor have a pile of work before them tonight. Newly elected Mayor John Stromberg will give the annual State of the City address at the beginning of the council's 7 p.m. meeting ...


Furniture Depot to close after 27 years in Ashland

The Furniture Depot of Ashland, a 27-year-old business, will close next month and begin liquidating its inventory Thursday.


Attainable Ashland resolutions

I have found that there are several techniques to accomplish New Year's resolutions with gusto and glee, in contrast to the more traditional total failure and disillusionment.


Church advocates for same-sex marriage

The Rev. Pam Shepherd, from left, the Rev. Charles Harlow, the Rev. Dorothy Brooks and the Rev.


Ashland Police & Fire Reports

Friday 10:35 p.m. - A woman reported being assaulted by a known male on the 100 block of California Street.


Patrons pitch shoes at Bush image

ASHLAND, Ore. - Art was laced up with political statement as a gallery opened an exhibit with a paint-splattered fundraiser that featured a 'shoe throw' at an image of President George W. Bush.


Complaint lodged against north Ashland Shell Station

The state Attorney General's Office says it will look into the complaint of an Ashland motorist that a local gas station is charging up to $1 a gallon extra for full service without disclosing it to customers ...


'What's Wrong With LNG?' - Jan. 9 in Ashland

From: Bob Altaras, Jackson County Pacific Greens and Meryl Six, Environmental Center of the Siskiyous Contact Phone: 201-0437 "What's Wrong With LNG?" , A community meeting will be held Friday, January 9th from ...


Ashland Daily Tidings :: Horoscope :: December 27, 2008

Don't be afraid to express your dreams, hopes or expectations with someone who has been helpful to you.


In death, young Ashland man joins 'Stars of Life'

An Ashland man whose organs gave life to three people will be honored in today's Tournament of Roses parade.


Ashland police to increase patrols on New Year's Eve

Ashland police officers will be out in force on New Year's Eve to help curb drunken driving and rowdy revelry in the plaza.


Church land-use decision could have wide-ranging effects

A state decision in favor of a shaman and his wife who practice an animistic religion near Ashland will give Oregon churches more latitude to build houses of worship in rural areas.


Shaman, wife win Ashland land-use case

A state decision in favor of a shaman and his wife who practice an animistic religion near Ashland will give Oregon churches more latitude to build houses of worship in rural areas.


Slow holiday shopping for Ashland's retailers

Christmas was different this year. As the economy limped along, the recession's victims were many.


US to Ashland: Why so many kids without shots?

Federal health officials want to know why so many children in Ashland don't get the common vaccinations - more than a quarter of the kindergartners in the school district and about two-thirds of the pupils at ...


Ashland High plans public party

Ashland High School will celebrate the 10th anniversary of its theater and commemorate a partnership with Oregon Shakespeare Festival during a public party tonight at the theater.


Bears looking for food, not sleep, in Ashland

Associated Press A December 25, 2008 A ASHLAND, Ore. -- Some black bears aren't heading into hibernation until after they get their holiday meal.


Santa visits Ashland Elks

Santa played host to 61 local children at the annual Ashland Elks Lodge Children's Christmas Party Dec.


Ashland residents find signs of bears in neighborhood

Wildlife managers are urging Ashland residents to take precautions after signs of two black bears at the edge of town this week.


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