Have you considered the benefits of a refinance of your current mortgage loan? There are several obvious reasons for a refinance that stand out:1) Lowering the % rate and payments, 2) Using a HARP loan to refinance a prior home loan where the appraisal was much higher than what can be achieved today,3) Debt consolidation where paying off the debts gives the client a MUCH better overall payment, allows the % to be a tax write off, and gives a DEFINITE timeline to get the debts paid, 4) Home improvement to get cash to do the things you need to the home, 5) Shortening the loan term and thus reducing the % paid over the life of the loan. Others may be to buyout a spouse in a divorce, or to eliminate mortgage insurance costs with a current Conventional or FHA loan and thus reducing the payments considerably. THE OVERALL GOALS MAY OUTWEIGH THE FACT THAT RATES MAY BE SLIGHTLY MORE THAN YOUR CURRENT MORTGAGE RATE. Lets look at how a refinance can be your answer to your needs and savings. Call us today and see what can be done for you. DIVERSIFIED MORTGAGE BROKERS serving Central Va. and beyond.Tel: 434-237-3143, Email:dbi4009@aol.com, Web: www.diversifiedmortbrokers.com