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Looking to Refinance?

Thinking about refinancing your home? As an experienced licensed mortgage professional, I can guide you every step of the way.

With today's low rates, refinancing your current mortgage loan may be the right choice for you. Depending on your goals, refinancing may help you:

Lower your rate, payment or loan term.
Even small decreases in mortgage rates can make a big difference in a home loan. Refinancing to a lower rate may be able to help you reduce the amount you have to pay each moth, or shorten the number of months left on your loan.

Change an adjustable rate to a fixed rate.
If you have an adjustable rate and want to avoid higher monthly payments if rates increase, refinancing may be able to change your loan to a fixed rate for easier budgeting.

Remove Private Mortgage Insurance (PMI).
Refinancing may allow you to eliminate Private Mortgage Insurance premiums from your monthly mortgage payments. We will help you determine if you can take advantage of this option.

Get the cash you need.
Refinancing can free up extra cash so you can pay down higher-interest debt, make a major purchase, or invest another way.

We are here to help. 
Let us take the guesswork out of refinancing. As an experienced licensed mortgage professional, we are here to help you decide whether refinancing make sense for you.  We will help you determine your "break-even" point and other important factors to consider in your decision.

Refinancing means that your mortgage loan is recalculated at a new rate and a new term. Your old mortgage payment is replaced with your new one, so that you have just one monthly payment.

That is different than getting a home equity loan or line of credit, which requires monthly payments in addition to your mortgage payment (if you have a balance on your home loan).

Refinancing Refinancing may offer lower interest rates, but you will need to consider the associated expenses.

Cost of refinancing includes paying for a new appraisal of your home (by a Chemical-approved appraiser), as well as closing costs on the loan. I will help you determine those costs so you can make the right choice.

In the meantime, our Mortgage Calculators can give you a basic idea of your refinancing costs.

To get started, go to the Apply Now section and press GO - but first, get our Checklist of information that you will need to apply.


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Chemical Bank fka Talmer Bank and Trust
235 E. Main Street, Midland, MI  48640
Office:  (248) 994-0245
Fax:  (248) 269-4938
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All loans are subject to credit approval and program guidelines.
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