Refinancing a home can be a powerful financial tool in the hands of the savvy homeowner. Learn about the benefits that come with refinancing your home.

Lower Monthly Mortgage Payments

Lower Monthly Payments.

Reducing monthly home loan payments frees up resources for investing or paying down credit cards, auto loans, college tuition, or even your principal home loan amount. Lowering your interest rate via refinancing results in a reduced monthly payment and can further establish long-term financial stability.

Take Advantage Of Home Equity.

Because mortgage loans generally have lower interest rates than credit cards do, funds from a refinance enable you to consolidate debt and pay off higher-rate accounts. When you refinance, you can reduce your monthly payment. In addition, your Carlyle Financial mortgage banker will work with you and your financial advisor to investigate all possible ways you could benefit from a tax deduction.

taking advantage of home equity
managing an arm loan

Manage A Resetting ARM Loan.

If you currently have an adjustable-rate mortgage (ARM) that is about to reset, the interest rate may be changing—likely increasing. Refinancing out of an ARM into a fixed-rate mortgage or obtaining a new ARM with a new fixed-rate period can provide stability and minimize risk.


Thanks to career success or financial windfall, you may find yourself in a stronger economic situation than when you first closed your mortgage. This is why shortening the life of your existing home loan via a refinance might be appealing. While some may choose to continue to pay down (or off) a mortgage balance, others may elect to switch to a new mortgage with shorter and/or better terms.

mortgage prosperity

Here are some of the resources we provide to make refinancing your home loan (mortgage refinance) a more approachable process:

Refinance Document Checklist

Learn about what documentation is required for your application, and how you can be prepared to close quickly and efficiently. Download the PDF here.

Annual Loan Review

A lot can change in one year. We help you reassess your financial situation to determine whether your current home loan still makes sense.

Appraising Property Value

With real estate values constantly changing, we have resources available to help you make critical decisions related to the equity in your home. Learn more.

What do you need to know about a mortgage refinance?

Your finance and homeownership goals can work together seamlessly. A mortgage refinance can be an important step in this process.

By refinancing, you essentially replace your mortgage loan with a newer one.

This new loan can free up your finances so you can make moves on plans you’ve got queued up or progress on current projects.

How exactly does it work? What are the benefits of refinancing? Here’s what you need to know to begin your mortgage refinance journey.

Lower Your Payments

A mortgage refinance can free up your finances by reducing your principal mortgage loan amount and your monthly home loan payment.

Your mortgage refinance can help you pay off credit cards, auto loans, college tuition, and redistribute your equity to your investment portfolio.

Long-term, refinancing can lower your interest rate and stabilize your finances.

Maximize Your Equity

As your mortgage has a lower interest rate than, say, a credit card, your mortgage refinance allows you to consolidate debt and pay off higher-rate accounts.

Refinancing frees up your equity and gives you financial flexibility. With this flexibility, you are free to make movement on new financial and investment goals or redistribute assets to further existing ones.

Manage Resetting ARM Loans

Do you have an adjustable-rate mortgage?

This type of variable-rate mortgage loan, also known as an ARM, can be a perfect candidate for a mortgage refinance. If your ARM is about to reset, the interest rate may increase.

Do you have a fixed rate mortgage and prefer the stability of an unchanging rate?

A mortgage refinance can help expand your loan term and minimize risk.

Free Your Finances

Your financial situation is complex, with a lot of moving parts. Your capital is entwined in your growing financial and investment goals.

You may find yourself in an unexpected career win or want to leave room for any unexpected financial windfalls.

A mortgage refinance could be the perfect choice for you. A refinance may shorten the term of your loan, reduce your principal loan amount, and lower your monthly payments.

This financial freedom is yours to invest exactly how you want.

How do you refinance your mortgage?

You’ve done your research, and you’re interested in a mortgage refinance. What do you do now?

Talk to an expert!

Navigating your home loan options can be overwhelming and complex. There are a lot of resources out there, but not a lot of clarity on how a mortgage refinance will affect your unique situation.

Your mortgage partner will guide you through every step of the process.

At Carlyle Financial, we are a team of experienced mortgage professionals who use our expertise and established partnerships to make your mortgage refinance experience smooth and easy.

If you would like to talk about a mortgage refinance, get in touch with one of our mortgage experts today.