Perennial Funding > Refinance Loans

Refinance Your Mortgage

There are several questions to ask when deciding if refinancing your home is right for you. Have interest rates fallen? Do you expect them to go up? Has your credit score improved enough to get you a lower-rate mortgage? Answering these questions will influence your decision to refinance your mortgage. When you refinance your mortgage, you pay off your existing mortgage and create a new one. It’s also possible to combine both a primary mortgage and a second mortgage into a new loan. Our refinancing specialists can assist you with all questions and concerns to help determine if refinancing is right for you.

Loan Program Benefits Details
Fixed Rate Mortgage

A mortgage loan where the interest rate remains the same, and the monthly principle and interest payment does not change over the life of the loan.

A fixed rate mortgage allows your monthly mortgage payment to remain the same for the entire term of the loan. Even if interest rates inflate, your monthly payment will not be affected.

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Adjustable Rate Mortgage

A type of mortgage in which the interest rate paid on the outstanding balance varies according to a specific benchmark.

Monthly payments may increase, but the benefit of having low rates initially can save you money.

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Jumbo Loan

These mortgages tend to be used for large, single-family homes, and exceed the conforming loan limit.

Lowering monthly payments, getting more discretionary income, saving money, and restoring the investment value of your home.

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Home Improvement Loans – Streamline FHA 203k

Home improvement loans allow you to build on an addition, put in skylights, add a pool, or make any change that you want.

Gain more equity, add value to your property, lower your insurance rates, and improve living conditions.

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FHA Loan

Insured by the Federal Housing Administration, an FHA loan is ideal if you have a low credit score or limited cash for a down payment.

Reduced mortgage insurance premiums, lower mortgage rate and down payment.

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VA Loans

VA loans are designed for Veterans, and often have some of the quickest approvals of all loan options.

No down payment required, buyer informed of reasonable value, negotiable interest rates.

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Mortgage Refinance

The process of obtaining a new mortgage in an effort to reduce monthly payments or the years left on the loan

Lower interest rates, take cash out of your home for large purchases, shorten the length of your loan.

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HARP Refinance Loans

Home Affordable Refinance Program, created specifically to help homeowners who are current on their mortgage payment, but underwater on their mortgages.

Backed by the Federal Government, save money every month, lower rates.

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NMLS #247954
Click here for the Perennial Funding NMLS access page.

Perennial Funding LLC, 161 Washington St. Suite 950, Conshohocken, PA 19428

Loan programs are subject to credit approval. Other terms, conditions, restrictions and fees may apply. All of the information on this website is published in good faith and for general information purposes only. Perennial Funding does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk and we will not be liable for any losses and damages in connection with the use of our website. The content in this website should not be construed as a mortgage loan commitment. From our website, you can visit other websites by following hyperlinks to these sites. While we strive to provide only links to useful and ethical websites, we have no control over the content and nature of these sites and the links to other websites do not imply a recommendation for all of the content found on these sites. Please be aware that when you leave our website, other sites may have different privacy policies and terms, which are beyond our control. Thank you for visiting Perennial Funding's website.
*By refinancing your existing mortgage your total finance charges may be higher over the life of the loan.

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