- 01. Who It's For
- 02. Benefits
- 03. Eligibility
Is Refinancing Right for You?
If you already have a home loan and want to save money, free up cash, or consolidate mortgages, a refinance is for you. It’s the perfect opportunity to change your mortgage structure or program to fit your current needs.
The National Home Loans Difference
John Giannattasio has been recognized as one the top 100 mortgage brokers in the nation. It’s because of his commitment to exceptional customer service and getting you the best refinance rates possible. Choosing National Home Loans means you get John G. and his expert team in your corner.
Do I have to refinance with my current lender?
No, you can choose any lender to refinance your mortgage with (since the new loan will replace the old one).
Will I always save money refinancing?
If you’re watching the market and want to lock in a lower rate in the near future, it may be more cost effective to pay a discount point for a lower rate instead of paying for a full refinance.
How long do I have to wait to refinance after a purchase transaction?
The rule of thumb is 8-12 months, but there are exceptions. (It’s also good to check with your lender when you apply for your mortgage in the first place to see if there are any short-term penalties for refinancing within the first year.)
Do the years on my mortgage restart when I refinance?
No! When you refinance, you can start on a shorter loan term. For example, if you held a 30-year loan for three years and then refinanced, you could set the new loan up on a 27-year term.
I shopped around a bit for a broker, and was referred to John by a coworker. He was by far the most personable, professional, and proactive broker that I interacted with. He promised me that he was doing everything he could to protect my family's money and get us into a house that we love, and he did. The bottom line is he got us our desired results, he offered great advice, and he earned my trust and confidence. I would recommend his services to anyone looking for a knowledgeable and passionate mortgage broker.
Have been working with John for a couple months now; he is very patient and understands our needs as first time home buyers. John has been amazing and answers all our questions, I think we have found our long time broker. He has the clients best interest in mind which is very refreshing. A++
John is great at what he does, especially for first time homebuyers. He is willing to go the extra mile for his clients and will explain exactly what he's doing along the way. I'm so glad we were able to work with him and I highly recommend him.
Beyond grateful to have been referred to John G. right after getting our offer accepted on a home. We would not have been able to do it without him. He secured us a great rate, which was a game changer in our decision to purchase. It was our first home purchase, and he helped us navigate every single thing, and was extremely responsive and available to chat when we needed him. The entire escrow process was smoother and quicker than we could have ever hoped for. He was a pleasure to work with, and we hope to continue to work with him in the future.