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Refinance Calculator
Ready To Refi?
The first step is simple. Complete our secure online application to see how much you could save or access through a refinance. There is no obligation and no impact on your credit to explore your options.
Why Should You Refinance Now?
Whether you want to lower your monthly payment, shorten your loan term, or tap into your equity our refinance calculator helps you explore your options with clarity and confidence. With just a few inputs, you can estimate how much refinancing could save you and whether it is the right move for your financial goals.
What Can Refinancing Do for You?
Refinancing can lower your monthly payments, reduce your interest rate, or shorten your loan term. You can also use it to access cash for home improvements, debt payoff, or other goals. If rates have dropped or your credit has improved, refinancing could be a smart move.
When Is the Right Time to Refinance?
If current rates are lower than when you bought your home, refinancing could save you money. It also makes sense if you want to switch from an adjustable to a fixed rate, or if you need cash for big expenses. Every situation is different—talk to us to find your best option.
FAQ
Q: Can I use gift money for my down payment?
A: Yes, 100% of your down payment can come from a gift. That’s great news for buyers getting help from family or friends.
Q: Can I combine FHA with down payment assistance?
A: Absolutely. Many local and state assistance programs are designed to work with FHA loans, helping you cover the upfront costs of buying a home.
Q: What credit score do I need?
A: If your score is 580 or higher, you may qualify with 3.5% down. If it’s between 500 and 579, you may still qualify, but you’ll need 10% down.
Q: Do I have to pay mortgage insurance?
A: Yes. There’s an upfront fee (which can be added to the loan) and a monthly insurance premium. If you put 10% down, you’ll only pay monthly insurance for 11 years—otherwise, it lasts the life of the loan.
Let’s See What You Qualify For
Ready To Stop Renting?
Want to move into a home with a low down payment,? Let's explore your options together. We’ll answer your questions, help you get prequalified, and make sure you're on the right path to homeownership.
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Premier Point Mortgage
NMLS #2184348
Premier Point Mortgage guides you every step of the way, making your journey to homeownership stress free; now that’s Home Financing Simplified!
990 Raritan Rd. Clark, NJ 07066
Legal Statements
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
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