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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Questions to Ask Yourself Before You Refinance

Refinancing your home mortgage can be a great way to save some extra money, but it's not guaranteed. So before you dive in, you might want to try and ask yourself these questions to avoid making any major financial mistakes.

Although this question may sound very basic, you shouldn't overlook this issue. You might want to wait until you have more time to process your application. Refinancing is a lot more tedious than what you may think. If you're too preoccupied or stressed out by other things, there's a chance that you might make a mistake and might even miss some important details that cause you to fall prey to a pretty bad loan. Refinancing should be done with great care

Paying off some your debt from the money that you got from refinancing may sound like a good idea. It’s logical: why would anybody want to pay a lot of debts every month when you can just have one debt to take care of every month? This argument overlooks the fact that when you pay for a loan on a longer term, you'll end up paying more interest in the long run. Most brokers advise borrowers to reconsider refinancing their mortgage if they don't qualify for the shortest home mortgage term.

The interest rates that you see on some major financial websites and even the evening news are just the general idea of what the mortgage interest rate is. So checking your credit score and even the type of loan that you are considering all have an effect to the rates that you might be eligible. Try talking to various lenders to get an idea of what kind of mortgage rate you're eligible for. Keep in mind that some predatory lenders will quote any rate just to get your business.

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