home mortgage loans
Toll Free Number

800-278-9435

Loan Professionals are waiting for your call
Local Phone: 208-733-4222
Toll Free Number

800-278-9435

Loan Professionals are waiting for your call
Local Phone: 208-733-4222

Refinance

Build Home Equity Faster
Many borrowers use a refinance to shorten the term of the mortgage.

Have Your Equity Work For You
Another way to make a refinance work is for you is to refinance for more than the balance remaining on your old mortgage. With today’s low rates, you can tap into your equity without increasing your monthly payment.

Trade Your ARM for a Fixed Rate
By switching to a fixed rate loan, it is possible to reduce your payment and lock in at an attractive rate for as long as you own your home.

Mortgage Refinance Costs
When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay most of the same costs you paid to get your original mortgage.

Analyze Your Savings
Check the market closely to determine the available rates and the costs associated with refinancing. These costs can include items such as an appraisal and other various fees and points.

Paying Points for a Lower Rate
In refinancing, a mortgage company usually offers a range of interest rates at different amounts of points.

Your Personal Income Taxes
With a lower interest rate on your home loan, you will have less interest to deduct on your income tax return. That, of course, may increase your tax payments and decrease the total savings you might obtain from a new, lower interest mortgage.

Consider Other Mortgage Programs
If you are thinking about refinancing your mortgage, you might want to consider other types of mortgages. For example, you might want to look into a 15-year fixed rate mortgage.

Deciding to Refinance
Traditionally, the decision on whether or not to refinance has meant balancing the savings of a lower monthly payment against the costs of refinancing.

Refinance Considerations
Considerations you should look at when deciding to refinance.

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Refinance
Build Home Equity Fast
Should You Refinance?
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First Federal Savings Bank
383 Shoshone Street North
Twin Falls, ID 83301

Ph: 208-733-4222
Toll Free: 1-800-278-9435

Privacy | Terms Of Use | NMLS# 402963

FDIC          EHL

Market News
Economic Calendar
Market Commentary

Refinance
Build Home Equity Fast
Should You Refinance?
Reverse Mortgages

Calculators
Figure Payment
How Much Can You Afford?
Buy Vs. Rent
Should I pay Points

Our Company
Home
Contact Us
Full Company Website
About Our Company
Originator NMLS#'s

Library
Appraisals
Credit
FHA Loans
Home Buyer Education
Insurance
Second Mortgages
First Federal Savings Bank
383 Shoshone Street North
Twin Falls, ID 83301

Ph: 208-733-4222
Toll Free: 1-800-278-9435

Privacy | Terms Of Use | NMLS# 402963

FDIC          EHL