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Refinancing a home does not have to be a daunting task!  At Fearon Financial we specialize in delivering the Smartest refinance options in today's market.

Many homeowners think their rate must be reduced by at least 1% before they refinance.  This is not true at Fearon Financial.  Unlike most lenders, we specialize in low cost lending.  By providing several options, our clients often benefit from rate drops of just ¼%.

Remember, a mortgage is much more than a rate.  Our professional Mortgage Managers will analyze your individual situation and determine the correct combination of rate and closing costs.  Don't be like thousands of homeowners who only focus on rate.  We have seen individuals take out extremely low rate mortgages only to loose in the long run.  Yes, they have a lower than market rate, but they fail to realize that no savings will be realized in the long run due to the thousands paid in closing costs.

This scenario does not happen at Fearon Financial.  We analyze your entire situation and savings to determine your recapture time and return on investment.

Our team will evaluate several key attributes when structuring your next mortgage.  Some things we should discuss are:

• What mortgage program and rate do you have currently?
• What type of security does your current program offer?
• Do you have a second mortgage or home equity line of credit?
• Are there repairs or future remodeling needed?
• How long will you live in this home?
• How fast do you want to pay off the mortgage?
• Should you pay closing costs?

Once we answer these questions and several others, we will select a Smarter Mortgage for you.