Lock in a fixed payment, get cash out, lower your payment or increase your cash flow by paying off high interest debt! These are some of the benefits and options available to you by properly and responsibly refinancing your Santa Barbara home loan! Direct Mortgage Funding-Santa Barbara refinance programs are tailored to fit your specific lending needs.

There are many things to consider when refinancing your home loan and it is important to talk about your loan options with your loan officer. Because the fees associated with refinancing can add up quickly, many mortgage companies waive the fees which may results in a slightly higher percentage than expected.

The amount of time you plan to spend in your home will also impact your decision to refinance, so many mortgage lenders will allow home owners who expect to live in their home for a minimum of three to five years the option to pay "points" and closing costs upfront, which ensures that the home owner obtains the lowest percentage rate possible.

It is essential to get informed about refinancing options, rates and expenses.

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