Refinancing Guide

Modifying your current home loan can provide a pathway to meeting your financial goals. Count on me to guide you through it.

Refinance Your Current Loan

I can help you understand if refinancing is right for you. When refinancing your mortgage, you’ll be paying off your current/existing mortgage and replacing it with a new mortgage, with typically lower interest rates/term periods/or monthly payments. If you have both a primary mortgage and a secondary mortgage, you could refinance both by paying them off and replacing them with one new/single mortgage.

Refinancing has costs, and isn’t right for everyone. At UMortgage we’re here to guide you and keep you informed so that you make sound financial decisions for you and your family.

– Kahren Oxner

Benefits of Refinancing:

  • Get a lower interest rate and make lower payments.
  • Build equity more quickly.
  • Get cash from the equity in your home.
  • Convert from an Adjustable-Rate Mortgage (ARM) to a Fixed-Rate Mortgage.
  • Convert to a renovation loan program to finance a remodel.

Refinance Loan Program Ideas

Interested in getting familiar with a few loan programs typically used for refinancing? Let’s take a look!


Home Loans

Diverse set of products for variety of situations…


Home Loans

Lower down payments, easier approvals…


Home Loans

Change your loan's rate, term and/or program…


Home Loans

Loans for active-duty military and veterans…

Ready to Get Started?

If you’d like my help going over your refinancing options, click on the Free Consultation link below. If you’re ready to go, click Apply Now!

Kahren Oxner

Senior Loan Officer | NMLS #590552

(503) 453-6849