You can refinance with Ryan Mortgage without taking money out of your pocket!

Homeowners refinance for many reasons, here are some of the best:

• Shorten the term
  • If you have young children and are looking ahead to college, imagine paying college tuitions while paying your mortgage. You can have your mortgage paid off by the time the kids are heading off to college. As a bonus, 15 year rates are lower than those for 20 years and longer. You can save tens of thousands of dollars over the life of the loan.
• Improve your home
  • You can take advantage of the appreciation of your home and borrow against your equity to remodel, add a deck/garage, replace your roof, etc.
• Consolidate your debts
  • If you have other debts that aren't going away on the minimum payment (credit cards). I've had clients that save $300+ a month in payments on their credit cards by refinancing!
• Lower your payments
  • Interest rates are at rates that haven't been seen since the 60's. Even if you borrowed just 2-3 years ago, you may be able to refinance and lower your payment.