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Rate-and-Term Refinance

As a homeowner, you may qualify for several benefits that can yield substantial savings when you refinance your home. Refinancing may allow you to lower your monthly mortgage payments and keep more of your money in your pocket.
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Shorten your Term

What you need to know about refinancing

Refinancing your home with a rate-and-term loan is when you replace your current mortgage with a new home loan. This new mortgage will come with different terms, a new interest rate, and a new monthly mortgage payment that is typically more affordable in the long run. Homeowners often look into this option when there is a drop in market interest rate to lower monthly mortgage payments. 
 
There are also specific refinance options available for FHA and VA mortgages. Talk to a Premia mortgage consultant to evaluate your mortgage refinance options and find the best possible solution for your short and long-term financial goals.

*Certainty Home Loans is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.
Lower your payment Icon

Lower your monthly mortgage payment

Adjust your term Icon

Reduce the term of your mortgage

Adjust your rate Icon

Change your rate from an adjustable-rate mortgage to a fixed-rate, or vice versa

Get rid of PMI Icon

Eliminate private mortgage insurance

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Have refinance questions? We can help.

Yes. The VA offers a streamline refinance called the Interest Rate Reduction Refinance Loan (IRRRL). The Premia Relocation Mortgage team is an approved VA lender and able to assist with an IRRL refinance.
Home equity is the difference between what your home is worth and what you owe. This is important information to know, especially if you are considering a cash-out refinance or removing private mortgage insurance from your monthly payment. Our knowledgeable team can guide you through this process.
Yes, you will receive a Loan Estimate (LE) with all the costs associated with the loan. This may include an application fee, appraisal fee, attorney fee, title search and insurance fees. You may be able to roll these costs into the loan.
We do! Currently, we offer a $1500 lender credit. We will show up to a $1500 Lender Credit on both the Loan Estimate Disclosure and Closing Disclosure. Call us today at 866-590-2951, press “3” to speak to someone immediately. *Offer not available to relocating employees. Offer good until December 31, 2022. Lender credit amount will be the maximum allowed based on state regulation and product guidelines.

Since 1987, Premia Relocation Mortgage has built a customer-centric service model based on two principles - great people and industry-leading technology. We combine a knowledgeable mortgage team with an interactive mortgage application to make the mortgage process easy.

The Team
We listen; our experienced team averages over 15 years in the mortgage industry and can offer choices fitting the needs of all types of buyers. They will treat you like family and strive to exceed your expectations.


The Technology
Our DigitalMoveTM technology eases the process. With anytime-access, you will not wonder about where you are in the mortgage process.

  • Pre-purchase approvals that bring power to the negotiation table
  • Enhanced Security during the mortgage process
  • Electronic verification of employment, income and assets
  • Waiving the need for an onsite appraisal for qualifying buyers
  • DigitalMoveTM eClosing *DigitalMoveTM eClosing availability based on state and closing agent.