Smarter Refinancing for Better Rates & Cash Flow
FRMI helps homeowners refinance existing mortgages to save money or restructure debt with competitive rates and flexible terms.
Smart Refinancing
Refinancing Options
Choose the refinancing option that best fits your financial goals and situation
- • Reduce monthly payments
- • Save thousands over loan term
- • Lock in low rates
- • Build equity faster
- • Access home equity
- • Lower interest than credit cards
- • Tax-deductible interest
- • Flexible use of funds
- • Payment stability
- • Predictable monthly costs
- • Protection from rate increases
- • Long-term planning
When Does Refinancing Make Sense?
Consider these factors to determine if refinancing is right for you
Good Reasons to Refinance
Interest rates have dropped
Current rates are at least 0.5% lower than your current rate
Your credit score has improved
Better credit means better rates and terms
You want to shorten your loan term
Pay off your mortgage faster and save on interest
You need cash for major expenses
Access home equity for home improvements, education, or debt consolidation
Break-Even Analysis
We help you calculate the break-even point to ensure refinancing saves you money in the long run.
Our Refinancing Process
Simple steps to refinance your mortgage and start saving money
Initial Consultation
We analyze your current mortgage and financial situation to determine if refinancing makes sense
Rate Shopping
We shop multiple lenders to find you the best rates and terms available in the market
Application & Processing
We handle all the paperwork and guide you through the application process
Closing
Sign your new loan documents and start enjoying your lower payments
Ready to Refinance Your Mortgage?
Lower your monthly payments or access your home equity with our refinancing options