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Cash-Out Refinance vs. Rate-and-Term Refinance: Which One Is Right for You?

August 12, 2025 by Robby Oakes

When considering refinancing your mortgage, two main options often come to the forefront: Cash-Out Refinance and Rate-and-Term Refinance. Both allow you to change the terms of your mortgage, but they serve different purposes and have distinct advantages. Understanding the differences between these two refinancing options is crucial to making an informed decision that best aligns with your financial goals.

Filed Under: Mortgage Tips Tagged With: Home Loans, Mortgage Refinance, Refinancing Options

What You Need to Know About Refinancing a Reverse Mortgage

March 4, 2025 by Robby Oakes

If you have a reverse mortgage, you may be wondering whether refinancing is an option. The good news is that yes, you can refinance a reverse mortgage, and doing so may offer financial benefits depending on your situation.

Filed Under: Home Mortgages Tagged With: Financial Planning, Mortgage Refinance, Reverse Mortgage

How to Refinance Your Mortgage

January 24, 2025 by Robby Oakes

Refinancing your mortgage can be a strategic financial decision, enabling you to save money, access home equity, or adjust your loan terms to better suit your current financial situation.

Filed Under: Mortgage Tips Tagged With: Home Finance, Mortgage Refinance, Refinance Tips

When Will Refinancing Pay Off? Calculating Your Break-Even Point

December 24, 2024 by Robby Oakes

Refinancing can help homeowners save money, but it’s essential to determine if the potential savings outweigh the upfront costs. One key tool in making this decision is calculating the refinance break-even point.

Filed Under: Mortagage Tips Tagged With: Home Finances, Mortgage Refinance, Smart Savings

Can You Refinance a Reverse Mortgage Loan?

November 1, 2024 by Robby Oakes

If you have a reverse mortgage loan, you might be curious about your options for refinancing. The good news is that yes, you can refinance a reverse mortgage, and doing so may offer several benefits depending on your unique financial situation.

Filed Under: Mortgage Tagged With: Mortgage Refinance, Reverse Mortgage, Senior Homeowners

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Robby Oakes


Robby Oakes

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NMLS# 91606

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