Max’s (Our Mortgage Expert) Tip: Consider refinancing – look at the whole picture.

Has your mortgage payment gotten uncomfortable? If your payment has gone up due to a rate adjustment or an increase due to the escrow account, it would pay you to look into refinancing – as always, look at the whole picture.

Someone I met with recently was hesitant to refinance because the rate on his 15 year loan was very low.

Here’s the reality – if you can’t comfortably afford the payment; it doesn’t matter how low the rate is. Refinance over a longer term, re-amortize those payments. Life will be better.

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