Is it Time to Refinance?  
  If you’ll stay in your property for more than 5 years, you may want to change your loan to a 30 Year Fixed program  
  Rates can change as high as their Life Cap which means payments can almost double after 3 and 5 years  
  If you have 2 loans, it’s time to re€nance into longer term money since values are strong and rates are still low  
  If you have a Home Equity Loan that is going up each month, you may want to refinance your loan immediately  
  Due to volatile economic conditions, refinancing into a more long term rate may prove safer  
       
I'm proud to work with the following Realtors
San Francisco:
Danielle Lazier 415.695.0552
Luba Muzichenko 415.695.7707 x167
Claire Chessen 415.674.6515
Rita Roti 415.307.7353
Matt Lanning 415.517.3070
East Bay Denise Milburn 510.410.2424
North Bay Sebastian Rouas 415.516.8017
Los Altos Patrice Horvath 650-520-7675
Pacifica Tammy Lawrence 650.557.0284
Los Angeles Kenny Harring & Caleb Gonzalez 866.587.4377
Seattle April Norton & Dana Johnston 206.940.8080
Pheonix Susan Tillinghast 480.596.2347
 
Because I don't work for a bank, I don't have to sell you their programs. I can find financing that's tailored to your needs, instead of theirs.

I've been helping clients purchase homes in the Bay Area for over 12 years, walking them through the process every step of the way. I meet them for an intense preapproval meeting and also during your purchase transaction. I even go with you to sign your papers with the title company. I answer all my own calls and talk to my own clients directly.

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