With rates near historic lows now is the time to refinance. You can refinance for many purposes:

• Reduce the interest rate and lower your payment
• Shorten the term: depending on your rate you may be able to shorten the term without increasing the payment!
• Take cash out to consolidate or pay down debt
• Take cash out for home improvements, college tuition, or other needs
• Increase the term to help improve monthly cash flow

All properties can be refinanced whether they are owner occupied, second homes or investment properties. VA and FHA have their own refinance programs that allow high loan to values, and reduced documentation, and sometimes no appraisals.

The benefit of dealing with BHS Mortgages Residential & Commercial is that we work with multiple lenders at all times and we have the flexibility to negotiate to get you the best rates and fees on the transaction.