Have You Ever Thought About Refinancing?

If you’re looking to refinance your mortgage, you’ve come to the right place.

Canon City Mortgage Loans with Debbie Betts

I am committed to guiding you through every step of the refinance process.

REFINANCING YOUR MORTGAGE CAN HELP YOU:

  • Save money

  • Reduce your monthly payments

  • Access the equity in your home

I know that refinancing can seem overwhelming, but my mission is to simplify the process for you.

I will help you with everything from determining whether refinancing is right for you, to finding the best loan option to fit your specific needs.

WORKING WITH DEBBIE

The Refinancing Process

Love your home, but not interest rate? Looking to make some home improvements by accessing some cash?

Here is how I can help you keep the process stress-free:

STEP ONE:

Contact Me

This can look a lot of different ways: call, text, walk-in, email… I’m flexible and really responsive so pick the option that is your preferred contact method!

STEP TWO:

Plan

Together we will determine if refinancing is the next right step for you. We will consider factors such as your current mortgage rate, your credit score, and your financial goals.

STEP THREE:

Secure Your Loan

I’ll help you confidently find the most competitive rates and closing costs without compromising on the overall experience.

OVER 250+ REVIEWS

See What Clients Are Saying:

“Debbie made this refinance go so smoothly and quickly”

I would highly recommend The Mortgage Company to anyone looking to refinance their home. Thanks again, Debbie!

~ Steven F.

Meet Your Go-To Mortgage Banker

After 20+ years in the mortgage industry, I can help you secure the best mortgage for your refinance. I’ve helped hundreds of families secure refinances and I would be honored to help you do the same.

When you work with me, you gain access to a mortgage expert who provides a personalized experience with big bank possibilities.

I am a fourth-generation native of Colorado. I opened The Mortgage Co. branch in Cañon City to ensure that clients still have the option of coming in and meeting their mortgage lender face to face. 

WHEN YOU CHOOSE TO WORK WITH ME

You Can Expect

  • Competitive rates and fees

  • A personalized service that’s tailored to your financial situation

  • A variety of loan programs

Want a Bit More Information About How a Refinance Works?

The refinance process typically involves these several steps:

  • Start your application online, over the phone, or in person. I will consult with you about your options and goals and we will send your a Loan Estimate and initial disclosures package. After you provide the necessary documentation related to your credit, income, and assets your application is submitted to Underwriting for loan approval.

  • If required for loan approval, we will order an appraisal to determine the value of your home. In some cases, no appraisal is needed.

  • You will be provided with a Closing Disclosure at least three business days before closing. It will show your loan terms and total settlement costs, as well as the amount due, or due back to you, at closing.

  • Your Closing Disclosure and your Final Closing Documents will show your first payment which is typically 30-60 days from your closing date.

But don’t let any of this intimidate you. I will walk you through every step of the process!

“Date the interest rate… marry the home”

CONSIDERING A REFINANCE CAN BE DAUNTING

Most Frequently Asked Questions

  • As soon as you think you might want to refinance your home!

  • It’s very dependent on your loan type and typically it’s best to wait until after you’ve made at least six mortgage payments before you consider refinancing.

  • Almost any type of loan can be refinanced.

  • Yes, it’s possible to refinance more than once.

So What Are You Waiting For?

If you’re ready to lower your monthly payments, you can trust me to help you every step of the way.