Perhaps you already own your own home. If so, then HTS Mortgage still can help you out. Home loan interest rates are now declining and you may want to take advantage of this decline in rates and consider refinancing your home for a lower rate and better payment. When you refinance your home you are able to lower what you are paying monthly on your loan, shorten your loan terms, consolidate your home loans, and in some cases you may even be able to get some cash back.

It used to be that you wanted to wait until interest rates dropped at least 2% before you refinanced. However, now that many loans offer no cost refinancing or even low cost refinancing, even with smaller reductions, you still may benefit from a refinance loan. We have several refinancing products that may be able to help you. You can choose between fixed rate refinance loan, which offer you a rate that never changes for the life of the loan, or you can choose an adjustable rate mortgage, which can fluctuate as interest rates change.