Refinanciamiento de una vivienda

Simplifique su vida con opciones de refinanciamiento flexibles

¿Se pregunta si el refinanciamiento es adecuado para usted?

Ya sea que quiera reducir los pagos de su hipoteca u obtener una mejor tasa, lo ayudaremos a encontrar el préstamo perfecto, y lo acompañaremos en todo el proceso.

¿Es mejor refinanciar?

¿Cuándo debo refinanciar?

El refinanciamiento puede requerir tiempo y esfuerzo, pero realmente vale la pena. Entonces, ¿cuándo es el mejor momento para aprovecharla? Mire estas preguntas que le ayudarán a decidirse.

¿Ha pagado su hipoteca durante mucho tiempo como para pensar en el refinanciamiento?

Por lo general, tendrá que tener más del 20% del valor neto sobre su vivienda para refinanciar. Consulte con su prestamista para saber si ya puede hacerlo.

¿Los valores de las propiedades subieron en su área?

Un valor más alto de la propiedad puede darle aún más opciones al refinanciar. Por ejemplo, la tasación de su vivienda puede llevarlo al límite del 20% más pronto de lo que podría pensar.

¿Cuánto puede reducir su tasa de interés?

Fíjese si puede reducir su tasa al menos un 1%. Muchos prestamistas dicen que este es un buen punto de referencia para mejorar su situación financiera con el refinanciamiento.

¿Se quedará en su casa durante algunos años más?

Si se quedará en su casa por varios años, entonces probablemente tenga tiempo de recuperar sus costos de cierre con los ahorros totales del refinanciamiento. Pero si planea mudarse en un par de años, tal vez no tenga tiempo para que el refinanciamiento rinda sus frutos.

¿Tiene un buen puntaje de crédito en la actualidad?

Si tiene un buen historial de crédito, se beneficiará al recibir una tasa de interés más baja y ahorros a largo plazo. Si no tiene un buen historial de crédito, vale la pena esperar. Cuando mejore su puntaje puede obtener una tasa de interés más baja, que puede permitirle ahorrar una cantidad significativa de dinero a largo plazo.

Conclusión

Solo debe refinanciar cuando sea el momento adecuado. Si lo hace bien, puede reducir su tasa de interés, su pago mensual y el monto total que paga por su vivienda.

¿Tiene preguntas sobre el proceso de compra de una vivienda?

Eche un vistazo a nuestro centro informativo de hipotecas que le ayudará a tomar decisiones informadas en cada etapa del proceso hipotecario.

¿Listo para comenzar?

Buscar un profesional en hipotecas

Búsqueda avanzada for a mortgage professional

Contáctenos

¿Está interesado en una hipoteca?

¿Ya tiene una hipoteca?

 

Personalizar la experiencia hipotecaria

Dr. Ketan Patel

Averigüe de qué manera BB&T trata a sus clientes de hipotecas como parte de su familia, con relaciones personales basadas en la comunicación abierta.

The newness of it, the excitement. And for us, it was starting a new life. Just walking through those doors where there's no furniture, just some carpet and some walls, and it's yours.

My name is Ketan Patel. I'm a podiatrist. As a kid, I knew I wanted to be a physician. My uncle was a physician, and I always looked him as a mini superhero. He goes around helping other folks. And watching that, that was an unbelievable gift.

The best part about working with my mortgage officer is that he's always willing to help. He's always there to just be a sounding board. There's so many times that he's mentioned to me before that, hey, if you've got a question, just give me a ring, or if there's something that just doesn't make sense, give me a call. One of his big fortes is communication.

A lot of my clients, they have day jobs, so a lot of times people want to talk with us perhaps during their lunch hour, oftentimes in the evenings. If the client needs to talk with me, I need to be available.

I met my mortgage loan officer to a mutual friend from high school. He was able to help out my brother, several of my other friends. And naturally, when it came time for me to buy a place, he was the easiest guy to go to.

This really is a personal relationship. At BB&T, we believe that the client is almost like part of the family.

Working with him is very seamless. It's accurate, it's fast. You can pretty much take it to the bank. Whatever he tells you, it's gonna happen.

You can tell it's kind of the banks of old, where you knew your banker, they knew about your lifestyle, your needs. You have a relationship. I really feel like I'm at a small bank, but I know that they have the power of a larger institution.

The mortgage process is pretty daunting. There's all kinds of information in the marketplace about perhaps how difficult it is to get the mortgage. Some of this information is accurate, some of it's not. So we like to kind of put the client at ease, prepare them for the process.

To me, knowledge is everything. So anytime you're going through an experience or you're trying to achieve a goal, education should be your first step. That first step is crucial, and it sets you up for success or for failure. And that's what's been pleasurable about my experiences with BB&T is the first discussion point is what is our objective, how are we gonna get there, and what are the pros and the cons behind that process.

Call BB&T. Don't think twice about it. You'll be more educated about a process that you're undergoing. You may end up finding a good relationship and a good friend that will help you in your future endeavors.

There's a lot of factors that go into it that people initially don't consider. And if they'll give us the opportunity to speak with them, typically they realize, wow, I learned things that I didn't realize were important, and they helped me to make a better decision.

You're not a number. You're not a statistic. You are a person that they have a vested interest in and want to help.

Mark Shaw

Averigüe cómo uno de nuestros clientes compró su primera vivienda y luego la refinanció, con el mismo agente de préstamo hipotecario.

I worked hard. All these years of overtime, working holidays, weekends, and you finally achieve your goal. I didn't even sleep the first night I was in the home.

My name is Mark Shaw. I'm an aircraft mechanic. And I'm also in the Air National Guard.

I've been married for 14 years. And I have a nine-year-old daughter. We have two dogs, a typical lifestyle. When I was in my 20s, I made some mistakes, had to put a lot of work in trying to clear up my credit to prepare for homeownership.

Your house is the quintessential thing we all work for. This is the biggest ticket item you'll ever buy in your life, so you want to make the right decision when you do it, making sure you are financially sound, making sure you think things through, and then you go talk to the experts at BB&T.

What I enjoy most about being a mortgage loan officer at BB&T is the opportunity to share with my clients the knowledge that I've learned over the years and how to incorporate that knowledge into coming up with the best mortgage solution for somebody.

When I picked out the house, we approved what you were going to finance on a house, and how the deal went down. It went down just by the numbers. And not only that, when I was at the closing, Vincent Spadea actually showed up. People told me it was unfounded that a bank institution would actually show up to the closing of the house. So actually it was just a great experience.

The closing is really the final opportunity to visit with a client, to shake their hand, congratulate them, look them in the eye, see the smile on their face, then it really makes the job rewarding. It's a partnership. We work together with our clients so that we can best design the mortgage solution that's going to meet their needs.

The first time I refinanced my house, comps went down in my neighborhood because of all the debacle with the economy at that time, my mortgage loan officer managed my expectation. He spent time doing that. It did not go through. A year later, it did go through.

I truly know that people are thankful that we came into their lives, and we had this new partnership. At BB&T, that's the beginning of a long-term relationship.

All throughout the process, I felt support, honesty, and trust. I go in there and it's like home.

Conozca sus opciones para refinanciar hoy mismo

Tome una decisión informada para su futuro

La tasa actual de la hipoteca para compra con tasa fija a 30 años se basa en un costo de preparación de $985 y 1.125 puntos de descuento, lo que resultaría en 360 pagos iguales.

La tasa actual de la hipoteca para compra con tasa fija a 15 años se basa en un costo de preparación de $985 y 1 puntos de descuento, lo que resultaría en 180 pagos iguales.

La tasa actual de la hipoteca para refinanciamiento con tasa fija a 30 años se basa en un costo de preparación de $985 y 1.5 puntos de descuento, lo que resultaría en 360 pagos iguales.

La tasa actual de la hipoteca para refinanciamiento con tasa fija a 15 años se basa en un costo de preparación de $985 y 1.375 puntos de descuento, lo que resultaría en 180 pagos iguales.

Las tasas y los precios pueden variar y están sujetos a cambios en cualquier momento sin previo aviso.

Los préstamos, líneas de crédito y tarjetas de crédito están sujetos a aprobación de crédito.

Todos los profesionales hipotecarios de BB&T están inscritos en el Sistema y registro nacional de licencias para hipotecas (NMLS), que promueve la uniformidad y la transparencia en la industria de inmuebles residenciales. Consulte el registro del NMLS.

Branch Banking and Trust Company es Miembro de FDIC y Prestamista de Vivienda Igualitaria.