Mortgages

Danie Multi Services, Inc. is an independent mortgage brokerage dedicated to helping you secure the most suitable mortgage for your needs.

Our team of highly experienced consultants source loans from across the spectrum of US lenders and have access to products provided on exclusive terms to the homebuyers.

We are committed to providing a personal service that couples competitively priced finance with a high level of service. We can assist with a variety of mortgage requirements, from straightforward loans to multiple property financing and mortgages for the self-employed.

To learn or discuss more about mortgage basics and requirements, please call us at 973.673.7779

Refinancing

The refinancing process is similar to the mortgage process explained earlier in the Mortgage section, except that refinancings are typically faster and require fewer steps.

Refinancing your mortgage can provide real benefits. Here are two examples:

	•	Interest rates have dropped significantly in recent months. You may be able to reduce your monthly payments significantly by refinancing.
	•	Property values have increased significantly in recent years. You may be able to eliminate mortgage insurance and escrow payments, or obtain additional cash by refinancing.

When to Consider Refinancing

	•	Financial situation has changed: If your financial situation has changed significantly, you may be able to match the terms of your mortgage financing more closely with your new financial situation
	•	Rates have dropped significantly: If rates have dropped significantly since your last mortgage, you may be able to lower costs, and/or increase your financial flexibility
	•	Rates have/are threatening to increase: If rates have increased, or you are worried they might and you have an adjustable rate mortgage, you may consider refinancing to lock-in a rate
	•	Risk profile has changed: If your tolerance for risk has changed, you may be able to increase your flexibility, or lower your risk

Refinancing is an important personal financial management decision. We encourage you to call us and we will help you determine what's best for you.