Zach Copeland - NMLS 1644904 - Cardinal Financial

We know you have a lot of options, so why ? 🤔

👉 We're the type of lender that talks to you like a human. That empowers you with access, insight, and knowledge for a lifetime of home loan confidence.

Call, text, email, or DM me today to get started on your journey.

𝐙𝐚𝐜𝐡 𝐂𝐨𝐩𝐞𝐥𝐚𝐧𝐝 | 𝐍𝐌𝐋𝐒 𝟏𝟔𝟒𝟒𝟗𝟎𝟒
📲 561.339.6645
✉️ [email protected]

When should you think about , and when should you think twice? Here’s a quick guide to help answer these common questions:

𝐖𝐡𝐚𝐭 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐩𝐞𝐫𝐤𝐬 𝐨𝐟 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠?

✅ It can change your payments and interest rate.
✅ Allows you to get a shorter/longer loan term or switch from a variable-rate to a fixed-rate loan.
✅ Cash-out refinancing can give you immediate access to funds.

𝐖𝐡𝐞𝐧 𝐬𝐡𝐨𝐮𝐥𝐝 𝐈 𝐭𝐡𝐢𝐧𝐤 𝐭𝐰𝐢𝐜𝐞?

✅ If you plan on moving in the next few years.
✅ If the cost outweighs what you’d save.
✅ If you’re close to paying off your first

𝐇𝐨𝐰 𝐜𝐚𝐧 𝐈 𝐩𝐫𝐞𝐩𝐚𝐫𝐞 𝐭𝐨 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐦𝐲 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?

✅ Review your options and current rates.
✅ Calculate closing costs.
✅ Check whether you can improve your finances to get better loan offers.

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