Mortgage Refinancing

Looking to reduce your interest costs or lower your monthly mortgage payment? Refinancing may be the right move for you.

A mortgage refinance replaces your current home loan with a new one—often with better terms, a lower interest rate, or a shorter repayment period. The right refinance can decrease your monthly payment and lead to significant long-term savings.

At Columbia View, we monitor market conditions and help you determine when a refinance may offer the greatest benefit.

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Reasons to Consider Refinancing

Lower Your Monthly Payment

If today’s rates are lower than your existing mortgage rate, refinancing could reduce your monthly payment and save you money over time.

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Consolidate High-Interest Debt

Refinancing at a lower rate may allow you to pay off higher-interest debts—such as credit cards or personal loans—by rolling them into your mortgage. Even with less-than-perfect credit, we can explore options to help lower your overall monthly obligations and simplify your finances.

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Pay Off Your Mortgage Faster

Shorter loan terms typically come with lower interest rates. You may be able to refinance into a 15-, 20-, or 25-year loan—with minimal change to your monthly payment—while significantly reducing the total interest paid over the life of your mortgage.

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