Why Refi?

Consolidate debt. Lower your interest rate. Eliminate PMI. Save big, worry less.

Note: You will be directed to the application site and leaving the Har-co site.
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Your Refinance Journey Starts Here.

Have you been dreaming of remodeling your kitchen? Have your kids been nagging you to get a pool? Let's put your plans into action.

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Pay off your home sooner.

Lower your interest rate and monthly payments.

Consolidate high-interest debt.

Eliminate Private Mortgage Insurance (PMI).

Borrow a portion of your home's equity.

Frequently asked questions.

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What is a cash out refinance?

A cash out refinance is defined as any refinance where you're paying off a debt other than an existing first mortgage and/or receiving cash proceeds at settlement.  Refinancing to payoff home equity lines or credit cards is considered a cash out even if no cash is given directly to you.

Will I need to get my home appraised?

Most likely, yes.  However, if you are well qualified and are not doing a cash out refinance you may qualify for an appraisal waiver.  Ask your loan officer if this option is available to you.

What happens if my loan gets sold?

When loans get sold, the lender is basically selling servicing rights to the loan which frees up money for them to offer to other borrowers. This is not uncommon, but the terms of your loan should never be affected.  Also, your lender must provide you with an ownership transfer notice when your mortgage loan is sold. It's important to understand where your payments should be sent and the effective date of the transfer.

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