Refinance Guide

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3 Reasons to to Refinance

Before you decide to refinance, you should determine your financial goals. Most homeowners refinance to take cash out, get a lower payment, or shorten their mortgage term.

Take Cash Out

You can refinance your mortgage as a way to use the equity in your home. A cash-out refinance allows you to refinance for a higher loan amount than what you owe and keep the remaining balance, completely tax-free.

The cash you receive can be used for anything, such as paying off high-interest credit card debt or student loans. It can also be used for home improvements, education, or anything else you may need. This is a great option if you’re looking to consolidate or pay off debt because mortgage rates are usually lower than interest rates on other debts. Plus, mortgage interest is tax-deductible, whereas interest on most other debts isn’t.

If you’ve been paying the loan long enough to build equity, you may be able to receive cash from your home. You may also be able to do a cash-out refinance if your property value has gone up. If this is the case, your lender can give you more money to finance your home.

Lower Your Mortgage Payment

Refinancing can help you lower your payment. With a lower payment, you’ll have extra money to budget for other things.

One way to refinance is with a lower rate. You should talk to your lender if rates are lower now than when you bought your home. A lower rate will lower the interest portion of your monthly payment, which will save you a considerable amount on interest in the long run.

Another way to lower your payment is to get rid of mortgage insurance. This is a monthly fee you pay to protect your lender in case you default on the loan. It’s usually required if you put down less than 20%. Refinancing to stop this monthly fee could save you hundreds of dollars a month.

A third way to lower your monthly payment is by changing your term. If you lengthen your term to stretch out your payment over more years, you’ll make smaller payments per month.

Your lender might know other ways you can lower your payment, so it’s always worth checking with them first to see what will work best for your current budget and future goals.

Payoff Your Mortgage Faster

You can save money on interest by shortening your mortgage term. This could help you get a better interest rate, and you’ll have fewer years of payments.

For example. Say your loan amount is $400,000. If you get a 30-year loan with a 3.5% interest rate, you would pay approximately $246,500 in interest over the life of the loan. However, if you cut your term in half (15 Years), you would pay about $114,500 in interest over the life of the loan. That’s a difference of $132,000! This doesn’t even account for the fact that the shorter term would provide you with a lower interest rate (and more savings).

Keep in mind that shortening your mortgage term may increase your monthly payment. However, more of your payment will go toward paying down your loan balance, allowing you to build equity and pay off your home faster.

Things to Consider Before Refinancing

After you’ve set your goals, you should assess your finances. There are four important factors to consider: your credit score, your monthly mortgage payment, the value of your home and your debt-to-income ratio (DTI).

Your Credit Score Is Important

Your credit score helps determine what mortgage refinance options you’re eligible for. There are several easy-to-use online resources that allow you to check your credit score for free.

Understand Your Monthly Mortgage Payment

Before you review your options, you’ll want to know how your monthly mortgage payment fits into your budget. For example, whether you’re taking cash out or shortening your term, you should determine how much money you have in your budget for a higher monthly payment. If you want to lower your monthly payment, you’ll need to decide how much you need to lower your payment for the refinance to be worth it.

The Value of Your Home

It’s important to estimate the value of your house. Since your lender can’t lend you more than your house is worth, a lower appraisal value can impact your ability to refinance — especially if you want to take cash out or get rid of mortgage insurance.

You can estimate your home value by checking the price of similar homes in your neighborhood. You’ll get the best estimate by looking at the most recent sale.

The value of your home can help you figure out how much equity you have. You can find this out by subtracting your current mortgage balance from the estimated value of your house.

Your Debt-to-Income Ratio (DTI)

Your DTI is another key component. DTI refers to your monthly debt payments divided by your gross monthly income. Lenders use your DTI as a way to decide whether you’ll be able to repay the money you’re borrowing.

For instance, if you were paying $1,500 a month for your mortgage and another $500 for the rest of your debts (such as credit card debt, auto loans, and student loans), your monthly debts would equal $2,000. If your gross monthly income was $6,000, then your DTI ratio would be 33%.

Generally, a DTI of 50% or lower is required, and the maximum DTI depends on the type of loan you get. A high DTI could negatively impact your ability to refinance or limit your options.

After you’ve established your goal for refinancing, you’ll want to find out which loan can help you achieve it. There are a few ways you can lower your payment, take cash out, or shorten your mortgage term.

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Lower Your Mortgage Payment

Lowering your payment will give you more room in your monthly budget. You can lower your mortgage payment by lowering your interest rate or changing your term.

Lower Your Interest Rate

You can get the lowest interest rates available with an adjustable-rate mortgage (ARM). Although most ARM rates are lower than fixed rates, you risk your rate increasing after the initial fixed-rate period is over. However, an ARM could be a great choice for you if you’re planning to move or refinance in the next 5 to 10 years.

It’s important to remember that a lower interest rate doesn’t mean a lower payment. The interest portion of your monthly payment will decrease, but other factors, such as your term, taxes, and insurance, also contribute to your monthly payment.

Change Your Mortgage Term

If you’d rather lower your monthly payment than pay off your loan quickly, you might want to consider changing your mortgage term. A longer term makes each payment smaller because it allows you to stretch your payments out over a longer period of time. For instance, a great way to lower your payment is by going from a 15-year term to a 30-year term.

Take Cash Out

There are several loan options to choose from if your goal is to get cash out of your home.

A 30-year loan is the best choice if you’re looking to take out as much cash as possible. Since you’re increasing your loan amount by taking cash out, you’ll get the lowest monthly mortgage payment.

If your goal is to become debt-free, you might want to think about shortening your term. The cash you receive can be used to pay off high-interest credit card debt, student loans, car payments, or anything, while also saving on interest and paying off your home.

You can go with an FHA loan or a conventional loan. It all depends on your situation. Many homeowners find an FHA loan to be less expensive than a conventional loan. However, if you have a conventional loan, refinancing into another conventional loan could be a better choice for you. Talk to your lender to find out which loan option is the most affordable for you.

Shorten Your Term

Shortening your term is a great way to quickly and cheaply pay off your home. With a shorter term, you’ll have a lower interest rate, fewer payments, and you’ll save a significant amount on interest in the end.

There are various loan options you can choose from that make a shorter loan possible. The one you choose will depend on your situation. If you have good credit, you might want to think about a conventional loan. A VA loan is almost always the best option for service members or veterans. Your lender can help you find out which loan option makes shortening your term the most affordable.

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Finding A Good Lender

Refinancing is a major financial decision. You’ll want to do research, prepare the proper documents, and find a lender who can make your mortgage refinance as easy as possible.

Here are some questions you should ask when picking a lender:

Will you service my loan after closing, or will you sell my loan to another company? Some lenders don’t service their loans after closing. At Cal Fin Home Loans, we service a majority of our loans and ensure you’re satisfied during the entire process.
What’s your availability? You’ll want someone who is easily accessible in case you need to discuss anything or have any questions.
What are your rates and fees? Rates and fees can vary by lender. You should look for a lender whose rates and fees fit your budget. However, the lowest rate doesn’t mean the best mortgage experience.
What is your client satisfaction rating? You can work with a mortgage company for up to 30 years. Look at ratings and feedback from previous clients to find out which company will be the best match for you in the long run.
Can I complete the process online, or will I have to drive to a branch? A completely online process can be especially convenient for those who are limited on time. It’s important to find a lender who will provide an effortless mortgage experience.
How much time will the process take? If your goal is to close fast, make sure to find a lender who will make your loan a priority.

Documents For Your Lender

You should prepare the proper financial documents before you apply. This will help you quickly close your mortgage. Some documents a lender will most likely request are:

Your two most recent pay stubs
Your two most recent W-2s
The most recent two months of bank statements

Anyone else included on the loan with you will need to provide these documents as well. This will help your lender understand your entire financial situation.

You’ll need to provide additional documents if you’re self-employed to further prove your income. Some lenders require your entire tax return so they can see the amount of cash in and out.

What Are the Costs of a Refinance

Some common refinance fees include:

Application fee: This fee will be due even if your loan is denied.
Appraisal fee: An appraisal report will show your lender an accurate and updated value of the property. Your lender may be able to waive this fee depending on your refinance loan.
Inspection fee: The type of loan you get may require certain inspections.
Attorney review and closing fee: This fee goes toward the lawyer who conducts the closing for the lender.
Title search and insurance: A title search verifies that your home doesn’t have liens and that you’re the rightful owner. Title insurance is a one-time fee that protects you and your lender against home defects or disputes caused by a previous property owner.

You’ll get a Loan Estimate when you apply to refinance. This document gives you an estimate of the fees and costs of your loan. Before closing, you’ll receive a Closing Disclosure from your lender, detailing your final numbers and showing you exactly what you’re paying for.

How Long Is The Refinance Process

Most refinance loans take anywhere from 30 to 45 days. However, a number of factors can lengthen the process. For instance, a third party that’s involved in the transaction could cause a delay. There are various third parties your lender works with to close your loan, such as appraisers, inspectors, and title companies. It’s important to remember that any delays that may occur can be because your lender is trying to get information from a third party.

The refinance process also depends on your financial situation. The more complicated your situation, the longer the process takes. For example, mistakes on your credit report can delay the process. Any major financial or other life changes can also lengthen the process, such as changing jobs or opening a new line of credit. To make the refinance process run as smoothly as possible, you’ll want to notify your lender of any big changes.

Locking Your Rate

After you’ve completed the mortgage application, you can lock your mortgage rate. Locking your rate is important because it protects you against the rate significantly increasing before you close.

Most lenders allow you to lock your rate for 30, 45, or 60 days, but you may have to pay a fee if you need to extend the original timeframe.

3 Steps to Getting an Approval

The process for getting approved varies by the mortgage lender. Connect with Cal Fin Home Loans expert to start your approval process today.

Prequalified Approval

It’s easy to get a Prequalified Approval through Cal Fin Home Loans. After you create an account, you’ll answer a few questions about your income and assets and allow us to pull your credit report.

If you’re approved, you’ll need to download or print a copy of a Prequalified Approval Letter to give to your real estate agent.

Verified Approval

A Verified Approval strengthens your bargaining position. You’ll show the seller you’re able to buy the home because your finances will have been verified by a qualified expert. Within 24 hours, a Home Loan Expert can have your assets and income verified, and send you a Verified Approval Letter listing the amount you’re approved to borrow.

Locking In Your Interest Rate

Contact a Cal Fin Home Loan Expert today to help you with the refinance process. In addition to verifying your finances, they’ll help you lock in your rate for 90 days while you’re house hunting. Even if rates go up or down, your rate stays the same.

How long is an approval letter good for?

It can vary depending on your type of loan, but most approval letters expire after 90 days. It’s recommended that you renew your approval letter before making an offer on a home if you don’t find one within the initial 90 day period.

How to Choose A Great Mortgage Company

To ensure you get the mortgage that’s best for you, you’ll want to ask the following:

What are your rates and fees?
What is your client rating?
How much time does it usually take you to close a purchase home loan?
Will you sell my loan after we close or will you continue to service it?
When can I contact you in case I have questions, concerns, or need to get in touch?
Will this be done online or will I need to fax and/or mail you?

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The Underwriting Process

Your lender will work on underwriting your loan after you’ve submitted all required documents. This process refers to an underwriter verifying the details on your mortgage application and supporting documents. The underwriter will confirm that everything is accurate and fulfills the guidelines. Your application must meet the criteria of both your lender and the investor of your loan, which is the institution your lender receives your mortgage funds from.

How The Appraisal Impacts Your Refinance

You’ll need an appraisal to verify the value of your home. The appraiser will determine an opinion of value by inspecting your home and comparing it to similar ones in your area that have recently been sold.

There are some instances when your lender won’t require an appraisal. For example, your lender might be able to waive the appraisal if your home has been appraised in the last 120 days.

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Low Home Appraisal

Since lenders can’t usually finance more than the appraised value, getting a low appraisal can cause problems with your refinance. If your appraisal comes back low, you may want to consider the following:

Decrease the amount of the refinance: You might have to bring cash to cover the difference between the loan amount and the property value; or you might be able to lower the amount of the loan, such as with a cash-out refinance.
Cancel the refinance: A low appraisal could mean that refinancing isn’t right for you at the moment.

You want your appraisal to come back higher than or close to what you expected. Even if you cancel the refinance because of a low appraisal, you might have to pay for appraisal fees and any other required lender fees. That’s why it’s important to research the estimated value of your property in advance.

After your paperwork has been approved by the underwriter, your lender will contact you to schedule your closing and review your final numbers.

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Closing your refinance is very similar to closing on your home. However, this time you won’t be dealing with a seller or real estate agent.

Items to Bring to Closing

Here are some items you must bring to closing:

Your driver’s license or other valid, government-issued photo ID
A cashier’s check or proof of wire transfer to pay your down payment and closing costs
Your Closing Disclosure
A list of key contacts, such as your agent or lawyer, in case you have questions

Who Should Attend Closing

All buyers who are going to be on the loan will be at closing. If you can’t make it, you’ll need to give someone power of attorney. A representative from the title company will also be there, and some states require a witness to attend as well.

Refinance Closing Costs

Your loan determines whether you pay closing costs and how much they are. In some cases, such as with a conventional loan, the closing costs can be rolled into your loan. In other cases, such as with an FHA loan, you’ll be required to pay the costs upfront.

You’ll receive a Closing Disclosure from your lender prior to closing. This document will give you a complete breakdown of your loan and payment details, including any fees you’ll pay at closing. Your lender will provide the Closing Disclosure for you to review at least three days before you close. This allows you a chance to cancel the refinance if you’re unsure about the final numbers. It’s important to remember that you’ll likely still have to pay for the services you’ve received.

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After the paperwork is finalized, you can start reaping the benefits of your refinanced mortgage. Regardless of the refinance option you chose — a lower payment, a shorter term, or a cash-out refinance — here’s what to expect after closing.

Your Escrow Account

Any money you had in an escrow account on your previous loan could come back in one of two ways:

You could receive a check for your escrow funds from the lender of your old loan. Your funds should back to you within 30 days.
Your escrow funds will be used as part of the payoff for your old loan. This will lower the total amount that needs to be paid off. If you’re getting a new escrow account, you’ll be able to transfer your old funds into your new loan.

To speed up your loan process and reduce the amount of money you’ll need to bring at closing, we recommend you allow your escrow funds to be used as part of the payoff for your old loan.

Additional Payments

If you make additional payments or pay extra on your monthly mortgage payment, you can save on interest and reduce the length of your loan. Even one additional payment a year will save you a huge amount on interest in the long run.

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