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Lower Your Rate.
Access Your Equity.
Refinancing can save you thousands over the life of your loan, or put your equity to work. But only if the math actually pencils. I'll run your real numbers and tell you straight whether it's worth it right now.
Working with Andy Hess was exactly what I needed to feel confident about doing a refi. Andy walked my wife and I through the steps, was insanely knowledgeable about the process and helped us see the big picture.
Which Refinance is Right for You?
There's no single right answer here. It depends on your rate, your equity, and what you're trying to do. I'll lay out your options side by side with the numbers, name the trade-offs, and let you decide.
Rate & Term Refinance
Lower your interest rate, shorten your loan term, or switch from an ARM to a fixed rate. The most common reason homeowners refinance.
- Reduce your monthly payment
- Pay off your mortgage faster
- Lock in a stable fixed rate
Cash-Out Refinance
Replace your existing mortgage with a larger loan and receive the difference in cash. Use it for home improvements, debt consolidation, or major expenses.
- Access your home equity
- Consolidate high-interest debt
- Fund renovations or goals
Streamline Refinance
A simplified refinance path for existing FHA or VA loans with less documentation and a faster approval process.
- Less paperwork required
- Available for FHA & VA loans
- No appraisal often required
Home Equity Loan
A fixed-rate second mortgage that lets you borrow a lump sum against your equity without touching your first mortgage or its rate.
- Keep your first mortgage and rate
- Fixed rate, predictable payment
- One lump sum upfront
Is Refinancing Right for You?
Here are the questions Andy hears most. If you don't see yours, just ask — he's happy to walk through your specific numbers.
How do I know if refinancing is worth it for me?
It usually comes down to your break-even point: how long it takes the monthly savings to cover the closing costs. If you plan to stay in the home past that point, refinancing often makes sense. I'll run your actual numbers on a free call so you can see the break-even clearly before deciding.
What's the difference between a rate-and-term and a cash-out refinance?
A rate-and-term refinance replaces your loan to change the rate, the term, or both, without taking equity out. A cash-out refinance replaces your loan with a larger one and gives you the difference in cash for things like renovations or debt consolidation. I can compare both side by side for your situation.
Can refinancing help me remove mortgage insurance?
In some cases, yes. If your home has gained enough value or you've paid down the balance, refinancing into a conventional loan may let you drop PMI or eliminate FHA mortgage insurance. I'll review your equity position and tell you whether that's actually on the table for you.
As a firefighter or first responder, can my overtime income count when I refinance?
In many cases, overtime and shift-differential income may be considered when it's documented and meets lender guidelines. I understand first-responder pay structures, including strike team, out-of-county, and differential pay, and I can help you understand what documentation may be needed and how your income may be reviewed.
Will refinancing reset my loan back to 30 years?
Not necessarily. You can refinance into a shorter term, such as 20 or 15 years, to stay on track with your payoff goal, or choose a new 30-year term for a lower monthly payment. I'll show you both so you can choose what fits your long-term plan.
How do I get started, and will it affect my credit?
Start with a free 20-minute call. There's no credit pull and no commitment to have the conversation. I'll look at your goals, estimate your numbers, and tell you honestly whether refinancing makes sense right now.