Mortgage Refinance

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

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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, or Florida, 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!

Crystal Dancer
Crystal Dancer
16:39 04 Sep 21
Tara King is a gem to work with! She was highly informative, responsive to my needs and was able to work miracles that others hadn’t been able to achieve! I would highly recommend working with Tara and American Mortgage Solutions for all your lending needs!
Dustin Talacko
Dustin Talacko
14:15 04 Sep 21
We are on our 4th mortgage and just used Tara for the first time. She is the best that we have ever used and will use her on all investment properties moving forward. Creative, responsive and on top of the fine details. Strongly recommend.
Kevin Pate
Kevin Pate
13:47 03 Sep 21
Brady and Travis are some of the best people that you will ever meet in the mortgage business! Genuine, friendly, professional, trustworthy.No need to go anywhere else for your your home buying services!!!
Daleigh Kranz
Daleigh Kranz
00:24 03 Sep 21
American Mortgage Solutions handled our mortgage loan perfectly. The team was friendly and fast, and were always easy to get in touch with. Thank you!
Allison Riggs
Allison Riggs
16:55 02 Sep 21
American Mortgage Solutions put my family first! I'm so glad we chose them for our mortgage needs. The communication was great and everything was finished quickly!
Evan Fowler
Evan Fowler
18:42 30 Jul 21
American Mortgage Solutions did an amazing job for me! Communication was top tier, and I always felt well-educated. I always recommend them for mortgage loan needs.
Rhonda Burden
Rhonda Burden
09:40 22 Jul 21
Travis and Brady were so knowledgeable and professional it made this process go so smoothly that we were able to close quicker than anyone could believe! The care and personalization that was given you would have thought that it was them buying a home for their own family! I can not say enough positive things about the smoothness and professionalism and personal care that came from using American Mortgage. God could not have steered us in a better direction. Is was clear to me once we started moving through this process that this was the mortgage company we were supposed to use. Thanks to them (& God first, of course) we have our beautiful Florida home! Many many thanks to Travis & Brady!
Tim Davis
Tim Davis
20:24 20 Jul 21
Brady and his TEAM at American Mortgage Solutions are top notch and very knowledgeable in this ever changing mortgage and real estate industry. I am working closely with them to provide financing for those with financing struggles; whether it be self employed borrowers, foreign nationals or even those who may have had certain credit setbacks.All in all, you can know that you will be taken care of honestly.
Laura Brian Sawdo
Laura Brian Sawdo
11:46 16 Jul 21
AMS has been an exceptional company to work with. The are attentive to our needs and very timely in their responses to our requests. They have given us sound advice to some of our most challenging hurdles with buying a home or refinancing our current home. I sincerely appreciate all they have done to make the loan process as seamless and painless as possible! Thank you AMS, you have restored my faith in mortgage companies!
Stephanie Burkhardt
Stephanie Burkhardt
15:52 14 Jul 21
Kristal at American Mortgage Solutions helped make our dream of owning a home a reality! We just purchased our first home in June and have heard how stressful the process can be. Kristal was attentive and informative during every step of the way and made it as seamless and stress-free as possible for us. I literally could not have asked for a better experience and will recommend her to anyone and everyone I know for their mortgage needs!

Buy Your Dream Home Now

Are you ready to own your own home? To apply now, please contact American Mortgage Solutions.

To set up your consultation, call (502) 327-9770 in Kentucky or (239) 766-8344 in Florida. We look forward to connecting you with your ideal home purchase loan.