Save Money. Lower Your Rate. Access Equity
Refinancing your mortgage means replacing your current home loan with a new one that better aligns with your financial goals. Whether youβre looking to lower your monthly payment, secure a better interest rate, shorten your loan term, or access cash from your homeβs equity, refinancing could be the right move for you.
USDA Home Loans
Home buyers and homeowners in search of an affordable, zero money down* mortgage option may want to consider a USDA Loan. With a USDA Rural Housing Loan, eligible borrowers can take advantage of up to 100% financing* for the purchase of a home in a qualified area.
To be eligible for USDA financing, both borrowers and the property itself must meet certain criteria. Because USDA Loans were designed to help increase access to homeownership in less developed areas, they are only available to homes located in USDA-approved zones.
Mortgage Refinancing Assistance
As a homeowner you may be able to take advantage of lowering your monthly mortgage payment, reducing your overall interest, or getting cash through refinancing.
We offer a variety of refinancing options and can help advise on which refinance program may work best for you. Whether you want to reduce your interest rate and therefore lower your monthly payment, or youβd like to shorten your loan term to help pay off more of your principal and reduce interest, we can likely help you achieve your goal.
At Home Access Financial, weβll walk you through your options with clarity and confidence β no pressure, no confusing jargon β just expert guidance tailored to your goals.
Call us today at 813-560-8555 for a free quote and consultation.
What You Should Know Before Refinancing
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Cost vs. Savings
Refinancing usually involves closing costs, so itβs important to weigh those costs against the potential savings from a lower rate or payment.
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Home Equity Matters
Your equity β the portion of your home you actually own β affects eligibility and loan terms. Higher equity often results in better rates.
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Consider How Long You Plan to Stay in the Home
If you plan to sell in a few years, a refinance might save less money overall than if you plan to stay long term.
Why Consider a USDA Mortgage?
Why Refinance Your Mortgage?
Lower Your Interest Rate & Monthly Payment
If market rates have dropped since you first financed your home, a refinance could reduce your interest rate β which may lower your monthly payments and save you money over time.
Shorten Your Loan Term to Build Equity Faster
Refinancing from a 30-year to a 15-year loan can help you pay off your mortgage sooner and reduce total interest over the life of the loan.
Switch from Adjustable to Fixed Rate
If you currently have an Adjustable Rate Mortgage (ARM) and want predictable monthly payments, a refinance to a fixed rate loan can provide stability.
Cash-Out Refinance for Major Expenses
Need funds for home improvements, debt consolidation, education, or other goals? With a cash-out refinance, you may be able to access a portion of your equity as cash at closing.
NMLS #1516011
Equal Housing Lender