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Refinancing Resource


When refinancing a home there are seemingly unlimited loan programs available, so make an informed decision by knowing your credit score, researching your loan options,

and choosing the right lender or broker for your needs.


Contact us toll free today to discuss your options!

Our agents will assist you from start to finish.



Borrow against the equity in your home

Mortgage interest rates are often less than other consumer loans and are usually tax deductible. Contact your tax advisor for more information about deductibility.



Lenders and Brokers


Lenders, such as banks and credit unions, look at your income, assets, credit score, and debt-to-income ratio to determine your eligibility for refinancing. Today’s competitive and difficult housing climate has created greater risks for the consumer and this gives lenders the choice to work with only the most financially fit clients.


If you do not fit the lender’s mold, you may want to look at using a broker. Brokers are middlemen, like Sapphire Realty, who work with individuals with varied financial histories. We use multiple lenders and loan products and can be more flexible and creative to meet your needs. 

In short, we will work with you to search for the best lender and loan to meet your real estate needs!


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