Refinance Mortgage Rates Kentucky

This are many ways to refinance a mortgage at a low rate. See me and I will work with you to refinance to a low rate mortgage.

You may refinance your second and first mortgage to one much lower payment or you may want to switch your term from a 30 year mortgage to a 15 year mortgage and with the lower rates, your new 15 year payment could be very similar to your present 30 year payment. In addition to the lower rates, if you are presently paying mortgage insurance (PMI or MIP), you may be able to either lower or eliminate this with a refinance which could save you in addition to the lower rates.

You can refinance a mortgage or purchase a home at low rates even after bankruptcy. Go to the Mortgage & Bankruptcy page for more information.

You may be eligible for several low rate mortgage programs such as a fixed rates mortgages, adjustable mortgages and buy down mortgages.

A Fixed Rate Mortgage will be the cheapest mortgage over the life of the loan. However, it may be your situation would warrant a different type of mortgage. Once I know your situation, I will make the best recommendation for you and explain to you the advantages for you. A Mortgage is just like a pair of shoes, you have to find the one that fits you best - not your neighbor!!

Adjustable Rate Mortgages (ARM) are mortgages where mortgage interest rates can change. FHA's ARM Mortgages have very low mortgage rates. FHA Mortgages will change no more than one percent each year and 5 percent over the life of the loan. FHA is better than most conventional mortgage ARMs which can adjust 2 percent each year and six percent over the life of the loan.

Buy down mortgages are an alternative to adjustable rate Mortgages. Buy down mortgages normally start at two percent below the mortgages note rate. The next year it will increase one percent and then the third year, the rate is adjusted to the normal mortgage rate.

Call me and I would be more that happy to help you get "fitted" for the best mortgage for you!

Nancy Kaufman Thompson

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