Florida Refinance Loan

Homeowner Refinance Loan Florida

If you are considering refinancing your Florida home, you will find that Capital Lending Corp. offers low rates and exceptional personal service to Florida homeowners who refinance with us. Whether you are looking to refinance a Jumbo Mortgage for a lakefront property in Pinellas County or a refinance to convert a 5/1 ARM to a low fixed rate for a Boca Raton bungalow, we have the experience and the relationships with the right lenders to help.

Refinancing a mortgage isn't an adjustment to your existing Florida home loan. It's getting a new mortgage and using the money to payoff the old one. Surprisingly, many Florida homeowners believe that we are simply assisting them with adjusting their existing home loan. To learn more about how our knowledgeable staff can assist you in getting a great low rate refi loan, just give us a call at 1-813-629-1111 or just use our Quick Inquiry application for a no obligation, free mortgage refinance consultation.

If the last time you looked at the rate and terms of your Florida Mortgage was when you signed the papers at your closing, and that was several presidential elections ago, please give Capital Lending a call at 1-813-629-1111 for a complimentary mortgage check up. You might be pleasantly surprised by today's lower rates and better terms. The fact is, if we don't believe it's in your best interest to refinance, we'll tell you, and we'll actually take the time to explain why!

Refinancing a Florida Mortgage and the 2% Rule

Although many old time Floridians stick by the advice that you shouldn't refinance a mortgage unless rates are at least two percent lower, we have yet to find a Florida homeowner who could explain to us where the rule came from or why it pays to follow it.

After carefully considering the value of the rule, we have decided to file it right up there with don't go outside on Friday the thirteenth, and be careful not to look at the moon over your left shoulder. It's a home mortgage myth.

At Capital Lending Corp., we advise our clients to do the math and consider their plans when they evaluate any proposed refinance. And good news: the math of home loan refinancing for most Florida homeowners is a lot simpler than you might think.

Doing the Math on A Florida Mortgage Refinance

A Ft. Lauderdale, Florida homeowner has a 30 year fixed home loan for 250k at 6.5 percent and her current principle and Interest monthly payment is $1580.17. She qualifies for a 6.125% rate using a debt consolidation loan and plans to stay in her home for at least ten more years, suggesting a 30 year fixed rate loan is ideal for security. Presently, she is paying $832.00 a month on $32,000.00 on credit card debt and wants to improve her monthly cash flow. Factoring her present mortgage payoff, the added credit debt and the costs to close of $6500.00 on a new 30-year loan at 6.125 percent, her new principle and interest payment will be $1752.19 with a net cash flow savings of $659.98.

Should she do a cash out refinance? Much depends upon how much an improvement in cash flow you'll see Vs. the cost of refinancing. Sometimes the best option is taking out a Second Mortgage or home equity line Vs. disrupting an established first mortgage. To find out if refinancing your Florida Home Loan makes sense, call Capital Lending right now at 1-813-629-1111 or inquire using our secure Quick Inquiry form.

Refinancing Your ARM into A Low Florida Fixed Rate Mortgage

You may have a need to refinance our of an adjustable rate mortgage due to a change date that is coming faster than you want to think about. Capital Lending Loan Officers have helped many Florida homeowners refinance out of adjustable rate mortgages to low Florida fixed rate mortgages. It doesn't matter whether your home is in Orlando, FL or a small community in Wesley Chapel, FL, don't wait for your mortgage payments to increase, call 1-813-629-1111 and ask about refinancing to a low fixed rate mortgage today!

Refinancing A Florida Mortgage to Consolidate Debt

With so many Credit offers from banks, finance companies and merchants, it's no wonder that so many Florida residents have so much non-mortgage debt. The stress created by bills can adversely affect a person's health and his or her relationship with friends and family. Enter the Capital Lending Corp. debt consolidation solution!

A debt consolidation loan from Capital Lending Corp. can help payoff high interest credit cards, make bills manageable again, and secure a tax deduction for interest. For Florida residents with Home Equity, a debt consolidation loan from Capital Lending Corp. can help make paying bills simpler and more manageable. Call Capital Lending Corp. at 1-813-629-1111 today for a confidential consultation about getting a low rate Florida debt consolidation refinance.

Refinance Advantages:

• Exceptional rates from the pick of Florida lenders. Over the last five years, we have helped hundreds of Florida borrowers and developed a keen understanding of each Lenders specialties and limitations. That's vital to matching you with the right lender for your refinance.
• Florida-based lending professionals with a record of on-time closings and kept commitments. We are proactive. And we're very careful in assembling the documentation that supports every client's application so that we close as promised. We will be with you every step from application to closing.
• Experience working with special needs borrowers. Need a great rate for a Florida stated income or no documentation loan? Our loan officers know the lenders that are motivated to offer these loans at exceptional rates.
• Excellent refinance products for owners of condominiums and townhomes and for Investors refinancing duplexes, triplexes or other multi-unit income property. Not a single family home. No problem. Capital Lending Corp. 's loan pros will make refinancing painless.

Call Capital Lending Corp. at 1-813-629-1111 right now or use our secure Quick Inquiry form to learn about all of our solutions for Florida homeowners and investors planning to refinance.