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Refinance
Unlock Your Home’s Potential With a Refinance Loan
With a refinance loan, you can reduce your monthly mortgage payments, get cash for home improvements, or consolidate debt.
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Enjoy Financial Flexibility With a Refinance Loan
The Santalucia Team – Fairway Home Mortgage can help you take control of your finances with a refinance loan in Glendale, AZ. A refinance loan lets you replace your current mortgage with a new one that may offer better terms. It can help you lower your monthly payments, reduce your interest rate, or shorten your loan term, improving your finances.
Choose from refinance loans with options that support your long-term goals. We keep the process clear, timely, and simple so you can make smart moves without hassle. Let’s take a closer look at what refinancing can do for you.
Choose a Refinance Loan That Matches Your Needs
The Santalucia Team – Fairway Home Mortgage offers several refinance options, whether you want to save over time or gain access to extra funds. We guide you through the refinancing process with clear answers, step-by-step support, and no guesswork.
Rate-and-Term
Rate-and-term refinancing replaces your current mortgage with a new one featuring a better interest rate, loan term, or both. Depending on your financial goals, it can lower monthly payments or help you pay off your home faster.
Cash-Out Refinancing
Cash-out refinancing lets you replace your current mortgage with a larger loan and get the difference in cash. You can utilize your home equity for significant expenses like home improvements, debt repayment, or major purchases.
FHA, USDA, and VA
FHA, USDA, and VA refinance programs offer low-cost options for eligible homeowners. These government-backed loans may lower rates, reduce payments, or remove mortgage insurance, making refinancing more affordable and flexible.
What Are Smart Reasons to Refinance Your Mortgage?
Refinancing helps homeowners improve loan terms, reduce costs, or access cash. With the right strategy, you can reshape your mortgage to match your financial goals and enjoy more flexibility, security, or monthly savings.
- You can lessen your monthly mortgage payment by securing a better rate or changing your loan term. It frees up money in your monthly budget without extending your debt for too long or compromising your financial plans.
- Switch from an adjustable-rate loan to a fixed-rate mortgage for more stability. By locking in a fixed rate, you get protection from rising interest costs and create a consistent monthly payment over the life of the loan.
- We help you tap into your home’s equity with a cash-out refinance to cover significant expenses. Use the funds for renovations, large purchases, or debt consolidation while potentially improving your loan’s rate or term.
Refinance With a Trusted and Experienced Partner
Working with a local lender brings substantial advantages. The Santalucia Team – Fairway Home Mortgage knows the Glendale, AZ market and understands how local conditions affect loan choices. Our team focuses on quick responses and accurate timelines. You won’t wait for updates or get passed between departments because one team manages your loan from start to finish. We stay in contact with you at every step and provide online tools for tracking your loan.
Get Started With a Refinance Loan Today
Whether you want to save money, tap into equity, or adjust your loan, we’re ready to help. Let’s explore your options.Apply Now