Loan Options

Refinancing

Most homeowners consider refinancing when interest rates drop or if there’s a change in financial circumstances.

Most homeowners consider refinancing when interest rates drop or if there’s a change in financial circumstances. A large decline in rates or an opportunity to pay off debts might make refinancing seem like an easy decision, but you shouldn’t consider just any single factor on its own.

Thinking about how you plan to use your equity, how long you plan to stay in your home and how a refinance will support your overall financial goals could factor into the decision of refinancing your mortgage.

Affinity Mortgage Corporation has refinancing loans available that can allow you to meet a variety of needs, such as:

• Getting cash for major expenses or consolidating debts
• Reducing your monthly payments by lowering your interest rate or extending the repayment period
• Reducing your interest rate risk by switching an adjustable-rate to a fixed-rate loan or from a balloon to a fixed-rate loan
• Paying off your mortgage faster by shortening the term of your loan

Affinity Mortgage Corporation tracks interest rate trends on a daily basis. You can contact us to receive periodic rate updates by phone or email, and/or choose to be notified when rates drop below a certain level.

Should you refinance? Find out if you can refinance now by utilizing our refinance calculator, applying now  or by having a mortgage consultant contact you.

Home Purchase

Fulfilling the American dream, security, financial growth and comfort all accompany the choice to become a homeowner.

Fulfilling the American dream, security, financial growth and comfort all accompany the choice to become a homeowner. However, buying a home is the single largest investment most people ever make, and along with all the benefits of homeownership comes the responsibility to manage that investment wisely.

As long as you are prepared for the responsibilities that come along with it, Affinity Mortgage consultants can help you make the right decisions throughout the home financing process. With so much involved in the processes of purchasing a home, Affinity Mortgage Corporation will make home loan purchasing decisions easier for you – so you can reap the rewards of owning your own home!

When you purchase a home, you have the ability to:

• Start building wealth
• Reduce your tax burden
• Build your credit history
• Eliminate landlord hassles

Don’t let ‘home buying’ myths, such as not being able to afford a down payment, less-than-perfect credit or a long and complicated mortgage process deter your decision of homeownership. Talk to an Affinity Mortgage consultant first!

How much of a new home can you afford? Find out now by utilizing our mortgage calculator, applying now or by having a mortgage consultant contact you!

Home Equity

can be an important financial resource for meeting large expenses

Ready to make home improvements? Consolidate bills? Make a big purchase?

Whether you want to make home improvements or consolidate bills, a home equity loan or line of credit can be an important financial resource for meeting large expenses. With potential tax advantages and lower rates than most other types of credit or traditional loans, many homeowners access their home equity to pay for everything from a new kitchen or bathroom to college tuition.

With the help of Affinity Mortgage consultants, you can use your home equity wisely. Rest assure that Affinity Mortgage Corporation will offer you the most suitable home equity loan based upon your financial needs, such as:

• Buy a new car
• Pay for college tuition or other education expenses
• Pay for medical expenses
• Pay for wedding, baby or retirement expenses
• Taxes
• Investment opportunities

Should you get a home equity loan? Find out now by applying now or by having a mortgage consultant contact you!