Hi all.

This is a special time for homeowners. Rates are so low it would be foolish to not examine if it’s a good time to refinance (and to buy too)!

If you haven’t refinanced your existing mortgage in the last 6 months or so, it’s a great idea to call Kim Carlson at 858-729-4682 and see if she can save you some money. Kim and I have worked together for years with her helping my clients and also helping me and my family on a number of occasions. Feel free to text her (858-729-4688) if that’s easier for you.

I can help you individually in trying to ascertain if that is a good thing to do but that decision is pretty complicated and too involved for a short blog post. Let me know if you want to discuss this one on one. I am happy to help. However, there are six general questions you can ask your lender when you are looking to refinance or take a loan on a purchase. They are as follows:

Ultimately, you’ll want to talk to your lender about anything that you’re confused about or unclear on. It’s their job to help you every step of the way when you’re getting a loan, so make sure you’re clear on everything before you decide to go forward with your decision.