Evergreen REO

Andrew bringing flowers to his lucky lady

what exactly is a "Top Tier" Credit Scenario, and how would it impact my home loan rate and costs?

does it make sense to refinance? Even though rates are at historic lows (below 3% for the first time in decades) it may or may not make sense. Factors include: 1: Will my lower payment justify adding more months/years to my payoff (if I refinance to a 30 year fixed loan)? 2: Will my higher payment be be something I can manage (if I refinance to a 15 year fixed loan). ... Note from Andrew: A 20 year fixed home loan is a sweet spot between the 30 year fixed and 15 year fixed-often the 20 year fixed rate is lower than the 30 year fixed rate also 3: Will this cash-out refinance help me in the long run-or am I better of just paying my credit cards and other loan debts each month as I have been? Andrew Schmidt and the Evergreen team will go over all areas of your current home loan and your monthly debts. We will give written details without needing to run a hard credit report-you will be able to see up close and in writing all of your options given by 19+ years experienced professional