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Community Bank

Cutting Edge. Common Sense.


The great rate you have now could possibly be even lower. With flexible terms and these low rates, now is a great time to consider refinancing.

Why Refi? Here are the most common reasons why people choose to refinance their property:

Lower Monthly Payment

If you refinance your property, more than likely you are seeking to lower your interest rate or extend your loan term. In either of these cases, your monthly payment would decrease.

Debt Consolidation

Some refinance to borrow more than owed on the property to put the extra money down on debt. This consolidates the debt into one payment.

Cash Out

Like debt consolidation, some people refinance more than owed on a property for extra cash, but in this case people use it for money to invest.

Convert an ARM

With today’s record low interest rates, many people are changing their ARMs (Adjustable Rate Mortgages) into Fixed Rate Mortgages so they can lock in the low rate available today.


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