Mortgage Refinance

in Indiana, Colorado, Kentucky, Tennessee, Florida, Missouri or Kansas.

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If your neighbors are paying a lower interest rate than you are on your home loan, you might wonder whether you qualify for more competitive rates and terms.

In many cases, the answer may be “yes.”

By refinancing your mortgage in Indiana, Colorado, Kentucky, Tennessee, Florida, Missouri or Kansas, you might be to reduce your interest rate and enjoy other outstanding benefits.

Benefits of Refinancing Your Home Loan

The exact benefits of refinancing depend on your specific scenario. But here are some possible advantages:

  • You could reduce your interest rate.
  • You might be able to stop paying for MIP or PMI.
  • You can get more time to pay off the mortgage.
  • You can change your interest rate format.
  • You can renegotiate other loan terms.

When Is It Time to Refinance?

While the advantages of refinancing can greatly enhance the flexibility, convenience, and affordability of your mortgage, there is a cost to refinancing a home loan.

The key to making a refinance work for you is to time it well. How do you know if refinancing at this time will pay off? Here are some scenarios where we might recommend a refinance:

When your qualifications are more competitive. With a higher credit score or lower DTI ratio than you had when you applied for your original mortgage, you might now qualify for more competitive rates and terms.

When interest rates have dropped. If interest rates have decreased relative to what you are paying right now, it might be time to try refinancing to lock in today’s more competitive rates.

When your income has gone down. Sometimes, homeowners may turn to refinancing if their incomes have dropped. By refinancing to a longer loan term, it is possible to decrease the monthly mortgage payment for a more affordable home loan.

When you own more equity. If you pay for mortgage insurance each month, it is worth checking to see whether you now own enough equity in your home to qualify for a mortgage without insurance.

When you are consolidating. Borrowers with high interest debts can benefit from consolidating them into a home loan with a lower interest rate.

When your plans have changed. If you plan to live in your home for longer or shorter than you originally expected, changing to a fixed or adjustable interest rate might help you save money. Some borrowers also switch to a fixed rate for peace of mind.

See What Our Clients Are Saying About Us!

Steven H
Steven H
16:01 26 May 22
Jeremy Fultineer
Jeremy Fultineer
18:07 24 May 22
American Mortgage Solutions has the best customer service. They make the mortgage loan process easy and comfortable. Five Stars!
candace Spalding
candace Spalding
16:45 13 Apr 22
Very helpful and detailed on everything!! Super friendly
cindy calvert
cindy calvert
19:15 12 Apr 22
Easiest process I have every been through-Thank you
Janet Brandenburg
Janet Brandenburg
21:09 11 Apr 22
We have had 3 contracts , first one fell through because it did not pass inspection, 2nd one was new construction that fell way behind and the 3rd one was our perfect home. Travis was there through all the ups and downs. He was always available to answer any questions we had.Danielle was our loan processor, she walked us through all the things we needed to get together. She would communicate with us and answer any questions we had.I would recommend Travis and Danielle to anyone, family and friends. This was by far the best experience in buying property that we have had in the last 30 years.Professional and friendly, the best.
Joanna Erickson
Joanna Erickson
15:17 07 Apr 22
Every bank told me they couldn’t help me refinance because I hardly had any credit score due to not using credit cards but this business got me approved immediately and now my credit score is well over 700. I highly recommend!
Barbara Durkee
Barbara Durkee
13:21 07 Apr 22
James Lyons
James Lyons
18:14 25 Mar 22
Travis was very professional and courteous.
Kylie Nustad
Kylie Nustad
22:34 24 Mar 22
I loved working with Jennifer Meinecke! She was so helpful, friendly and knowledgeable! I highly recommend working with her and this company!
Virginia Brown
Virginia Brown
00:13 24 Mar 22
Can I share with you what a great company this is!!! Jennifer Meinecke is so sweet and hands down the one I would recommend. She actually cares about you and your needs which is phenomenal!!! It’s hard to find an honest person to really put your trust in, but I will be definitely using her knowledge and help again and refer EVERYONE I know to her!! Thank you for being so awesome at what you do, it shows!!
D Wright
D Wright
14:27 23 Mar 22
Jennifer Meinecke helped our daughter and son-in-law purchase their home. She was very friendly and diligent. She was helpful to make sure any issue was resolved quickly.
Jonathan Crosby
Jonathan Crosby
15:22 22 Mar 22
Helped me with my first mortgage. Easy to work with.
John-Michael Criswell
John-Michael Criswell
15:19 22 Mar 22
This company was excellent to work with. Most of the time people only share reviews about companies if they had a negative experience. But my experience was so good with this company that I was compelled to write a review. I highly recommend them for your mortgage needs!
Aw Chestnut
Aw Chestnut
18:23 17 Mar 22
They helped me get a solid loan and did not have to worry at all thanks guys!💖
Cassandra Brown
Cassandra Brown
15:26 16 Mar 22
This is such a great company to get a mortgage from! They helped me from A to Z and navigate my first home buying experience with ease! They are available day and night and will go above and beyond to help you get that mortgage! I will refer all my family and friends here
Juan Vega
Juan Vega
19:02 07 Jan 22
Brady and his team exceeded all of my expectations.Easy to communicate with them and they get the job done.
Sheena Odom
Sheena Odom
16:09 09 Dec 21
Tara is great! She is extremely professional and always available when needed. Highly recommend.
Cherie Lee
Cherie Lee
22:20 07 Dec 21
Brady was so great to work with. I was going through a hard time personally during the financing of my first home. He went above and beyond to make sure everything was taken care of. He personally tended to things to make my life easier and to make sure nothing slipped through the cracks. His level of compassion and dedication is like no other. He made the loan process bearable during one of the darkest and most heartbreaking times of my life. I was blessed to get to work with him and hope to have the opportunity to work with him again on a future purchase one day.
Melanie Olvena
Melanie Olvena
21:00 07 Dec 21
"Brady is awesome! He and his team gives us updates with our loan status. Very professional!"
Jhay Jamora
Jhay Jamora
18:40 07 Dec 21
the best in cape coral very responsive and professional
Christian Arellano
Christian Arellano
16:17 07 Dec 21
Thanks to Brady and Travis for the awesome service. They are very responsive and never failed to give me updates on the loan process. Would definitely recommend these guys! Thanks!!
jamie castillo
jamie castillo
16:13 07 Dec 21
I highly recommend American Mortgage Solutions. All I can say is they are very easy to work with, professional and they respond right away. Thank you!!
Purna Tamang
Purna Tamang
14:24 07 Dec 21
Crystal Rhodes
Crystal Rhodes
02:37 22 Nov 21
Alan Manias
Alan Manias
14:54 26 Oct 21
Nancy Pittman
Nancy Pittman
14:41 02 Oct 21
Travis and Matt provided great service during the mortgage loan process. They were responsive to questions and made sure it moved along. I would definitely recommend to others.
Carrie Cotton
Carrie Cotton
15:28 16 Sep 21
Robert Clark
Robert Clark
13:53 16 Sep 21
Always great help with finding the best solutions .
Maureen Sowder
Maureen Sowder
13:55 08 Sep 21
What a great experience! We weren't sure if we were going to refinance it not. When we had a conversation with Kerie Stevens, she asked us what our goals were then very thoroughly explained different scenarios for us to consider. It was easy to make a well informed decision to move forward. We are so thankful we did and Kerie made it a breeze from application to underwriting to closing. Easy, peasy, even long distance! Thank you, Kerie! 5 stars!
Nancy Parisi
Nancy Parisi
22:55 07 Sep 21
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Refinance Now and Start Saving Today

Are you ready to find out if you qualify for a lower interest rate and other exciting advantages? Find out today if you can refinance your home loan. Please give us a call today at (502) 327-9770 to schedule your consultation in Kentucky, or at (239) 766-8344 to schedule your consultation in Florida. We are also licensed in Tennessee, Indiana and Colorado. Let’s get you the competitive rates you deserve.