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Buying a Home Refinancing
  • Just closed another deal with DK Home Loans and the Krushinsky Team! Tough deal with lots of negotiation and other issues but DK team made their part easy! Responsive, professional, and just great to deal with the whole way through. Thx again DK team! Noel Pulanco - February 9, 2020
  • Awesome Company! We were very pleased with the high level of professionalism and knowledge throughout the entire loan process! John P Francis - January 25, 2020
  • I bought my first house at the age of 26 and was very impressed with the professional atmosphere DK home loans representatives gave me. The communication and continual questions I had made my home owership a smooth and very informative process. Thanks again Armand Hernandez - January 16, 2020
  • David Krushinsky is hands down the best at what he does, and truly epitomizes customer service, something that is really hard to find today! David and his team are true professionals that provided exemplar advice and communications, he is also extremely responsive throughout the entire mortgage process! We really could not have done this without… Gary Pelleran - December 21, 2019
  • I would recommend David and his team for purchasing a new home or refinancing I have refinance with David twice he is very knowledgeable and trustworthy man if you have any questions he will answer them right away I couldn't ask for a better person to make the refinance experience pleasurable. He is a true… Debbie A. - September 27, 2019
  • Thanks David your the best!!! Hope to work with you again , if anybody is looking to buy a home I’ll send them your way 👍 Joel martinez jr - September 26, 2019

Thinking of Refinancing?

If you are a homeowner, you may have considered refinancing your current mortgage. Refinancing can offer many advantages to help you meet your financial goals. If you are just starting to look into refinancing, or have been thinking about it for a while, here are three benefits that you should consider.

Cash Out Your Home Equity

You can take advantage of the equity you have built in your home with a cash-out refinance. To take advantage of this, you would refinance your current mortgage for more than the amount you owe, and keep the extra money. For example, if you owe $150,000 on a home worth $250,000, you have $100,000 worth of equity in your home. You could refinance your home for $175,000, and receive a check for the $25,000 difference. You could use this money for home improvements and remodeling, or any other household needs you may have.

Change Your Loan Type or Term

Another refinancing option is to shorten your loan term, so you pay your home off in less time. For example, you might switch from a 30-year loan to a 20-year loan. This would allow you to build equity faster, and pay off your loan in less time, with the same (or marginally higher) monthly payments. If you have an adjustable-rate or interest-only loan, you may be able to refinance to a fixed-rate loan product that may save you money over the life of your loan, and may allow you to build equity.

Purchase a New Home

A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. The maximum limit for a conforming loan depends on the county and state you live in.

Types of Conventional Mortgages

Conventional loans can be either Fixed or an adjustable rate. Fixed-rate mortgages have a set interest rate for the entire length of the mortgage term which can be between 10 and 30 years. An adjustable-rate mortgage (ARM) has a term of 30 years with a low introductory rate for a fixed period followed by periodic adjustments according to a specific benchmark, typically a specific LIBOR or a T-Bill index.

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