When you refinance your mortgage, you are essentially exchanging your current mortgage for a new mortgage, often with a lower principal and interest rate. Your lender uses your existing mortgage to pay off your previous mortgage, so you're left with one loan and monthly payment, typically with more favorable terms.

One of the first steps in deciding whether you should refinance is to establish your homeownership goals and where you stand with your current mortgage.

When it comes to refinancing, there are several options. Whether you want to save money on your monthly payment or use the equity in your home for home improvements or debt consolidation, our team of mortgage experts will help you determine how much you can save.

Rate and term refinancing might allow you to:

  • Get rid of Private Mortgage Insurance (PMI)
  • Revise the terms of your current mortgage
  • Save on interest to pay your mortgage off sooner

Cash-out Refinancing might allow you to:

  • Tap into your home's equity for home improvements
  • Consolidate high-interest debt

Wondering if Refinancing is the right option for you? Estimate the benefits of refinancing using this calculator:

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If you are interested in applying for Refinancing, contact us at 314-878-7900. One of our loan officers will be happy to meet with you and guide you through every step of the process. We will also help you determine which type of Home Improvement Loan is right for you, based on your credit and your needs.

First Integrity Mortgage Services is located in St. Louis, Missouri. We are a premier provider of Mortgages and Home Loans in Missouri, Illinois, Kansas, California, Colorado,Tennessee, Georgia and Arkansas. We work on behalf of our customers to help them qualify for the home loan they deserve!

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