Refinance

Refinancing Your Home

When you refinance, Old Providence can help you make wise decisions based on provident principles;  Decisions that can help you reach your goals faster than you ever though possible! 

A key window of opportunity
People refinance for a variety of reasons; but regardless of the purpose, the refinance process represents a key moment of decision.   Old Providence loan officers are specially trained to help you use this window of opportunity to make wise decisions that can put you on a course toward financial peace for years to come.

Do you need to get out of debt?  Do you want to pay your loan off faster?  Do you need cash for home improvements or other things?  Our experts can help you find the most cost effective way to do it – and help do it without putting your future at risk.

Our expertise lies in helping you manage your debt and pay it off as quickly as possible.  When you have reached that important benchmark, we can help you find a qualified financial planner—and with no debt you’ll be ready to act on their advice!

Provident advice and honest rates and fees
Because we want to be your mortgage lender for life, we will work tirelessly to provide a rate and fee structure that is extremely competitive and fair, and we’ll help you choose a loan program that won’t put your future plans at risk.  Our pre-approval process is among the most thorough in the industry, and focuses on your needs & goals as the first priority.

Diverse options for refinancing your home*
Low or No Closing Cost Options: We can put together a number of loan options for you to choose from.  If you qualify, you may want to choose a no-cost refinance.  Let us help you see the difference.
Float-Down Lock Options: With Old Providence you have the option of floating down your rate lock if rates move lower before closing.  These rare lock options take away much of the stress associated with locking your interest rate.
Back-Track Refinance:  As your life-time mortgage consultants, we monitor your mortgage rate against the market, even after closing.  We’ll let you know if refinancing might be beneficial in the future.  Then, as a returning customer you will qualify for reduced closing costs through our back-track refinance program

Communication
Our state-of-the-art technology sends you real-time updates on loan status.  As soon as an event such as an appraisal, underwriting decision, or funding has been recorded in our system, you will be notified.  No more wondering about the status of your loan!  We also value the old-fashioned technique of answering the phone when you call!

Guaranteed “Good Faith Estimates” mean happy closings!
Contrary to popular belief, a loan officer does have the ability to accurately predict closing costs.  We are the first  in the industry to guarantee our good faith estimates in writing!  This means that if your loan is approved as quoted, the closing costs will be within 10% of our initial quote or we will pay the difference.  In truth, we have been operating this way for years—with or without a written guarantee.

Click here to get pre-approved

*conditions apply