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Lower Your Monthly Payment By Refinancing a Mortgage

Influential Times Helps Homeowners With Mortgage Refinance by Connecting Them With Lenders.

Refinance Your Mortgage and Save Money

Did you know that refinancing your home could decrease your monthly mortgage payment? Most homeowners aren’t aware of the various benefits they can experience from refinancing.

That’s where Influential Times comes in. We connect homeowners with lenders so they can decrease their monthly mortgage payments and save money. We’re your one-stop shop when it comes to navigating the refinancing process.

Contact us today to learn how our financial experts can help decrease your monthly budget, putting more money in your pocket.

We Simplify the Refinancing Process

Anything related to a home mortgage can be incredibly confusing and overwhelming. There are tons of documents to gather and paperwork to sign.

Influential Times is your liaison to remarkable mortgage lenders. We’ll
translate all of the complicated language and terms into something easy for
you to digest.

Our goal is to make the refinancing process as pain and stress-free as possible. You deserve to save money each month without getting overwhelmed in the process.

We Educate Homeowners on the Refinancing Process

While our financial experts are here to help guide you through the refinancing process, you don’t need to be kept in the dark. At Influential Times, we’re focused on educating our clients about the refinancing process.

We continually update our blog with the latest information and data regarding mortgage refinancing. Find out information on mortgage rates, when to lock in the best deal, and more on our blog.

We Help You Find the Best Refinance Rates

Mortgage rates have been historically low in recent years, but that’s not always the case. The rates tend to fluctuate over time depending on various factors, like the economy.

Even if you can lock in a mortgage rate that’s just .25% less than what you’re paying now, it’ll still make a difference in your monthly payment. That’s why it’s good to keep your eye on what mortgage rates are at all times, even if you’re not looking to purchase a home.

Partnering with Influential Times ensures you have a finger on the pulse of mortgage rates at all times. We’ll watch mortgage rates for you, alerting you when it’s an ideal time to refinance.

House on piggy bank and calculator on blue background with copy space

Timing Is Everything — We're Here to Help

The premium time to refinance your mortgage is when the low rates and home values are high. Knowing when that sweet spot is key to the process.

We’ll work with you to determine which type of mortgage rate is best for your lifestyle: adjustable or fixed. Fixed means that your mortgage rate won’t change throughout the life of the loan. An adjustable mortgage rate will fluctuate.

Who you refinance your mortgage with also plays a part in your mortgage rate. Government-backed and private institutions can issue mortgages.

There are also other factors you should consider when refinancing your home besides the interest rates. You should consider:

  • The length of the loan
  • Your personal situation
  • Your long-term financial goals

At Influential Times, we get to know your needs, goals, and lifestyles. We have access to countless types of lenders. We stay up to date on the housing market, ensuring you lock in a great rate at the right time.

Get Help Locking in the Best Type of Refinance Mortgage

There are a few different mortgage loan products that you can choose from. We’ll help you select the best one that fits your needs.

Rate and Term Refinance

The size of your loan will stay the same, but you’ll typically have lower
monthly payments. You might also get to pay down your loan faster than you
initially thought.

Cash-Out Refinance

With a cash-out refinance, you can take out a new loan on your home for a bigger sum than what you currently owe on your mortgage. You’ll receive the difference between the two loan amounts as cash. You can use that cash for any purpose.

Are you looking to change your current mortgage loan terms and interest rate? You might be interested in a rate and term refinance. This is a great option to lock in a low-interest rate.

How the Influential Times Process Works


Step One: Meet With Our Financial Advisors

We kick off the mortgage refinancing process by getting to understand your financial situation. We’ll ask you questions like:

  • How much can you afford each month?
  • What are your financial priorities?
  • What’s your credit score?

The goal of the first step is for you to be as transparent as possible about your finances so we can make the best recommendations possible.


Step Two: Determine Your Home's Equity

Your home’s equity is a vital component of the refinancing option. Your equity is calculated by taking the value of your home and subtracting what you still owe on your mortgage. The remaining amount is the equity.

The more equity you have built up in your house, the higher chance you have of qualifying for a loan. Lenders typically want you to have at least 20% of equity.


Step Three: We Get to Work

Our mortgage refinancing lenders will start to review lenders from options. We’ll work closely with you to choose the best option possible for your situation.

Why Partner With Influential Times for Mortgage Refinancing

At Influential Times, we find success when we can help our clients decrease their mortgage payments and lock in a better rate for their homes. Our goal isn’t to tell our clients what to do. We’re here to educate them on making better decisions for their future.

Reach Out to Influential Times Today to Get Started Refinancing Your Home

Refinancing a mortgage doesn’t have to be complicated. Let our team of financial advisors guide you through the process. Decrease your monthly mortgage payment and save yourself money.