Home Refinance

A change for the better

You would be surprised how refinancing can change your life!  Refinancing will not only save you money, but provide you with more comfort and security — now those are good reasons why you shouldn’t wait.

Ask us how to:

  • Refinance an existing mortgage
    Generally, it’s a good idea to consider refinancing whenever the current mortgage interest rate is more than two percentage points below your present mortgage rate. You can reduce your monthly payment and term, therein, reducing total payback over the life of the loan.
  • Refinance – to receive extra cash
    Did you know that when you refinance you may be able to request additional loan funds to consolidate debt, buy a new car, pay for education or do that remodeling project that you thought you couldn’t afford. You could also use the money to go on vacation.

We’ll even tell you when it’s better to go with a Home Equity Loan instead of a regular Mortgage Loan. Sometimes it’s better, sometimes it’s not. Leave it to the loan experts and call us today!

Refinance loan options include different rate structures:

  • Fixed Rate Loans have a fixed interest rate for the life of the loan. This allows for easy budgeting because the payment is always the same.
  • Adjustable Rate Loans usually have a lower start rate than fixed mortgage loans. You will know how much the rate can adjust over the life of the loan, and the maximum amount you would have to pay in the future. If you think you will only be in the house for a few years or feel that interest rates may go down, then this may be the loan for you.

Contact one of our loan specialists to discuss your options today:

PENNSYLVANIA
MLO#   Loan Specialist Phone Number Location(s)
615325   Lisa Baverso (412) 856-0354 Monroeville Office
615142   Erin Ansell (724) 238-6655 Ligonier Office
615131   Carolyn Tlumack (724) 834-2060 Greensburg  Office
615132   Alina Mehalic (724) 547-7515 Mt. Pleasant Office
615135   China Pulido (724) 547-0886 Walmart (Mt. Pleasant) Office
615136   Melissa Leydig (814) 842-3294 Hyndman Office
615138   Linda Daley (724) 327-0010 Murrysville Office
615137   Mary Jo Hixson (724) 887-7900 Scottdale Office
 
 
MARYLAND
MLO#   Loan Specialist Phone Number Location(s)
615143   Rob Lewis (301) 729-3738 LaVale Office
 
CORPORATE
MLO#   Loan Specialist Phone Number Location(s)
458211   Jane Flaherty (412) 856-0358 All Areas
462615   Lois McFarlane (412) 856-0358 All Areas

We would like you to take our Home BuyAbility Test. It will help you find out how much home is right for you, so you can feel more comfortable when you apply for your mortgage loan with us.

Once you know approximately how much home is in your price range, use the guide below or our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage life insurance are also not included on the chart, but may be added to your monthly payments.

Request more information or  speak to one of our loan specialists for details.