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How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   ,[object Object],© United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   ,[object Object],© United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   ,[object Object],© United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   ,[object Object],© United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   ,[object Object],© United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   And Compares it to 3 other options. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   And Compares it to 3 other options. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   And Compares it to 3 other options. © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 And see what the total savings are over that period.
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
How Do I Know if I Should Refinance?   © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
© United Mortgage Financial Group, Inc. 2008
If not... © United Mortgage Financial Group, Inc. 2008
© United Mortgage Financial Group, Inc. 2008
Have ??? © United Mortgage Financial Group, Inc. 2008
Let’s talk about it!  © United Mortgage Financial Group, Inc. 2008 Comments Welcome

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How Do I Know If I Should Refinance

  • 1. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008
  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 8. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 9. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 10. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 11. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 12. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 13. How Do I Know if I Should Refinance? A Total Cost Analysis looks at your current mortgage…. © United Mortgage Financial Group, Inc. 2008
  • 14. How Do I Know if I Should Refinance? And Compares it to 3 other options. © United Mortgage Financial Group, Inc. 2008
  • 15. How Do I Know if I Should Refinance? And Compares it to 3 other options. © United Mortgage Financial Group, Inc. 2008
  • 16. How Do I Know if I Should Refinance? And Compares it to 3 other options. © United Mortgage Financial Group, Inc. 2008
  • 17. How Do I Know if I Should Refinance? The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
  • 18. How Do I Know if I Should Refinance? The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
  • 19. How Do I Know if I Should Refinance? The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
  • 20. How Do I Know if I Should Refinance? The first metric you should look at is how much of a monthly payment savings does the new mortgage give you? © United Mortgage Financial Group, Inc. 2008
  • 21. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 22. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 23. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 24. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 25. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 26. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 27. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 28. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 Compare the Total Cost over a period of time (probably how long you think you will live in the home)
  • 29. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 And see what the total savings are over that period.
  • 30. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
  • 31. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
  • 32. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
  • 33. How Do I Know if I Should Refinance? © United Mortgage Financial Group, Inc. 2008 If the savings are significant…
  • 34. © United Mortgage Financial Group, Inc. 2008
  • 35. If not... © United Mortgage Financial Group, Inc. 2008
  • 36. © United Mortgage Financial Group, Inc. 2008
  • 37. Have ??? © United Mortgage Financial Group, Inc. 2008
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Notas del editor

  1. Old rules of thumb are out the window. 2% savings. It may make sense to even lower a .25% if there are no costs and you have a big loan amount. Plus, you can almost always lower your rate 2% by going from a 30 year fixed to a 1 year Adjustable for example—is that smart mortgage planning?? There are basically 5 reasons to refinance…