Should I Refinance? Should I buy?

Now is indeed the time to get off the fence. Already this year my team has spoken to several people who decided not to make a move as they hoped the ultra low rates of 2015 would get even lower. In turn, the waiting led to the Fed hike and these same people are now second guessing themselves. The reality is rates are still exceptional! While landlords are asking for more and more money every year it makes complete sense to lock yourself into a fixed mortgage that will never change. If you are planning on moving within 5-10 years consider an adjustable rate which is even lower. We have loans with down payment assistance and as low as 3.5% down payment.

The majority of lending experts I have spoken to believe rates are not going lower from where they are currently. If this remains to be true and you are waiting for the right time, this is it.

We take great pride in our Purchase and Refinance loans. If you are someone "on the fence" and would like to speak about your every option, please do. The fact is the grass is still green, you may be amazed by what your options truly are. 

William Hockett at 858-335-0843. Our office is in Del Mar, CA.