Lower Your Rate

If you were to rank the top reasons to refinance, lowering your rate, or taking money out of your home to remodel would easily top the list.  With today’s historically low interest rates, millions of homeowners have taken advantage of these unbelievable rates, which has made refinance volumes spike considerably over the past three years.  So the big question is – when does it make sense to refinance to a lower rate?  The rule-of-thumb states that saving ½% in your rate usually warrants a refinance IF you are paying closing costs.

However, UMAX Mortgage offers a zero-cost refinancing option that doesn’t cost you a penny (click here to learn more about our zero-cost refinance program).  This is a great way to lower your payment without incurring any 3rd party closing costs plus you don’t have to wait for rates to drop a half of a percent to refinance – in fact, even dropping 1/8% pencils out since you aren’t paying anything.

What if you are planning to remodel your home? We can help you understand the different mortgage options to raise the funds you need to make your home more beautiful.

Find Out About Our Zero Closing Cost Loan Program

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2000 Broadway St.
Redwood City, CA 94063

5170 Golden Foothills Pkwy
El Dorado Hills, CA 95762

2173 Salk Avenue Suite 250
Carlsbad, CA 92008


Equal Housing Lender

CA Bur of Real Estate - Real Estate Broker - Broker#01514348. 

NMLS#: 780963

These materials are not from HUD or FHA and were not approved by HUD or a government agency. 

Any rates quoted are not guaranteed and are subject to market fluctuations.

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