{"id":55,"date":"2014-01-29T04:06:14","date_gmt":"2014-01-29T04:06:14","guid":{"rendered":"http:\/\/www.guardianmtginc.com\/?page_id=55"},"modified":"2020-03-29T02:52:34","modified_gmt":"2020-03-29T02:52:34","slug":"apply-for-refinance","status":"publish","type":"page","link":"https:\/\/www.guardianmtginc.com\/?page_id=55","title":{"rendered":"Apply for Refinance"},"content":{"rendered":"

Apply for Refinance<\/span><\/h1>\n

Refinancing Your Home<\/span><\/h2>\n

Refinancing is typically a straightforward process.\u00a0 Many people refinance to reduce their monthly payment or interest rates. Still others refinance to retire debt or obtain some of the equity from their home.\u00a0 If you refinance, your total finance charges may be higher over the life of the loan. But in any case there are usually three things primary factors that come into play on a Refinance:<\/p>\n

\u2022\u00a0 Home Value \u2013 The amount of the mortgage and the likely appraised value of your home will determine if you are eligible for a refinance.\u00a0 The Loan-to-Value ratio must be within a certain range in order to refinance the home.
\n\u2022\u00a0 Credit Score \u2013 If you credit score is about the same or better than when you last financed your home, chances are good that you will qualify.\u00a0 However if you credit has dropped, then this could be an area that needs closer attention.
\n\u2022\u00a0 Debt Ratio \u2013 Assuming you income has not dropped and in monthly expenses have not increased or stay in balance, then you should be okay.\u00a0 But if income dropped or expenses increased, that may present challenges.<\/p>\n

We are experts on the many refinance programs available.\u00a0 You may use our website for informational resources or Contact Us for assistance.<\/p>\n

The online application is designed to allow you to stop any time and pick up later where you left off. When you return, please complete the remaining steps.<\/p>\n\n\n\n\n\n
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New Borrowers<\/strong><\/span><\/h2>\n<\/td>\n

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Returning Borrowers<\/strong><\/span><\/h2>\n<\/td>\n<\/tr>\n

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Start a new loan application by clicking here:<\/h4>\n<\/td>\n

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Update an existing application by clicking here:<\/h4>\n<\/td>\n<\/tr>\n

\"New<\/a><\/td>\n\"Update<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

Apply for Refinance Refinancing Your Home Refinancing is typically a straightforward process.\u00a0 Many people refinance to reduce their monthly payment or interest rates. Still others refinance to retire debt or obtain some of the equity from their home.\u00a0 If you refinance, your total finance charges may be higher over the life of the loan. But […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","pmpro_default_level":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=\/wp\/v2\/pages\/55"}],"collection":[{"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=55"}],"version-history":[{"count":5,"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=\/wp\/v2\/pages\/55\/revisions"}],"predecessor-version":[{"id":2436,"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=\/wp\/v2\/pages\/55\/revisions\/2436"}],"wp:attachment":[{"href":"https:\/\/www.guardianmtginc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=55"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}