Many times people do not listen to me because they are worried that I am selling them something. I do not sell. I will consult with you to determine if refinancing is good for you based on your current financial goals. If you have a ten year mortgage at 3%, I am not going to waste my time telling you to refinance to 2.875%. I have been talking to a gentleman living in the river park area about when he should refinance. He has a 2nd mortgage that is interest only so the balance has been the same for ten years now. I have been looking into the value of his home for the last two months and as soon as his value hits a certain level ,it is going to be the perfect time to refinance and get rid of that 2nd mortgage and lower his payment by $140.0 per month. That is not a lot of money but at least his loan balance will be going lower every month and that will help him build equity to go towards his retirement.
If you live in the Rocklin or Roseville areas, I would be happy to look at your current mortgage to see if you should keep it or refinance it to help your financial future. I wish I could get rid of the name mortgage broker in Rocklin and call myself mortgage consultant. I am not going to tell you how great my mortgages are because we all wish that we did not have to make monthly mortgage payments. I will show you how to get the lower your mortgage payment or how to pay off your mortgage in the shortest amount of time. Even the financial gurus on TV are saying it is a great time to refinance.

I am a Economics geek. I follow the ten year note rate every day just to see where mortgage rates are heading. If the ten year note rate increases then mortgage rates increase also. I love to watch cnbc to see were the stock market is at and where the ten year note rate is at. If your too busy to follow the in mortgage rates Rocklin , you can always email or call me at 916-261-2381 and I can tell you exactly what your new mortgage interest rate can be for your situation. Here is a video from cnbc talking about the current bond market. The ten year note hit a bottom on February 26th 2016 and has since ticked up .10%. It could be a great time to lock in your rate before they head up in the spring.