The mortgage staff of VanDyk Mortgage Can put together the most cost effective refinance for you.

Home Owners that are looking to refinance their homes have already been through the loan process at least once. We understand that you are looking for a professional mortgage banker that will put your interests first. We strive to provide our clients with as many options as possible when refinancing their home whether they are getting cash out or just lowering their interest rate. we ensure that any loan we do presents a clear benefit to the homeowner so that we can help them improve their situation.

PMI. If you were not able to make a down payment when you purchased your home you likely have private mortgage insurance (PMI) that you are paying monthly on your loan. In addition to lowering your interest rate we may be able to remove the mortgage insurance that you have been paying if you have built up equity. This alone can save hundreds of dollars in mortgage insurance costs monthly.

Exchange an adjustable rate for fixed rate financing. When you bought your home you may have been like the millions of others that got an adjustable rate mortgage (ARM). We can show you how to secure your monthly payments by refinancing into a fixed rate mortgage that will never fluctuate on you. On top of the savings you will also have peace of mind.

Should you get cash out or just do a rate & term refinance?