Mortgage Refinance: Lower Your Rate, Payment or Term

Refinance options for lowering a monthly payment, shortening a term, removing mortgage insurance or accessing home equity, with a break-even calculation before deciding.

Rate-and-term, cash-out, and streamline options (FHA and VA) are all on the table — the right one depends on your equity, credit, and how long you plan to stay. Call (727) 390-7432 to get started.

Sidney Merritt, Mortgage Loan Officer at NEXA Lending. NMLS #1166922. Call (727) 390-7432.

• Rate-and-term refinance to reduce payment or total interest
• Cash-out refinance to access home equity
• Streamline options for FHA and VA loans
• Break-even analysis so a refinance only happens when it pays
• Remove mortgage insurance where equity allows