Carolina Mortgage Insights with Paul Mattos
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VA IRRRL Explained
A VA IRRRL may help eligible homeowners lower their interest rate, reduce their mortgage payment, or replace an adjustable rate with a fixed rate. Learn about VA streamline refinance eligibility, seasoning, closing costs, funding fees, and break-even requirements.
What Is an FHA Streamline Refinance?
An FHA Streamline Refinance may help eligible FHA homeowners lower their rate or payment with reduced documentation and potentially no appraisal. Learn about seasoning, payment history, closing costs, mortgage insurance and qualification requirements.
Can I Refinance an FHA Loan Into Conventional?
You may be able to refinance an FHA loan into a conventional mortgage to eliminate FHA mortgage insurance or reduce your payment. Learn how equity, credit, PMI, interest rates, closing costs and loan terms affect the decision.
Rate-and-Term Refinance Explained
A rate-and-term refinance replaces your current mortgage to change its interest rate, repayment term or loan program without taking substantial cash out. Learn how costs, equity, appraisals and break-even timing affect the decision.
Can I Remove PMI With a Refinance?
Refinancing may eliminate PMI if you have enough home equity, but you may be able to cancel it without replacing your mortgage. Learn about the 80% request threshold, 78% automatic termination, appraisals, FHA MIP and refinance costs.
How Soon Can You Refinance After Buying?
You may be able to refinance shortly after buying a home because six months is not a universal borrower waiting period. Learn how conventional, FHA, VA, USDA, cash-out and prepayment-penalty rules affect your timeline.
Can I Refinance With Bad Credit?
Can you refinance with bad credit? Learn how credit scores, mortgage-payment history, equity and refinance type affect your options—and when waiting may produce a better result.
HELOC vs Cash-Out Refinance
HELOC or cash-out refinance? Learn how each option affects your existing mortgage, payments, interest-rate risk, closing costs and long-term home-equity strategy.
Cash-Out Refinance Explained
Learn how cash-out refinancing works, how much equity you may access, what it costs, and when another home-equity option may make more sense.
When Does It Make Sense to Refinance?
When should you refinance your mortgage? Learn how to compare rates, closing costs, loan terms, mortgage insurance and your break-even timeline.
Why Did My Mortgage Payment Change?
A higher mortgage bill may come from taxes, insurance, an escrow shortage, or your loan terms. Learn how to identify the change and what to check next.