Thank you for your inquiry regarding refinancing your present home mortgage. Today’s low interest rates are causing millions of homeowners across the country to decide to refinance their homes. I personally believe that refinancing a home should be one of the most financially rewarding times in your life. After all, how many times do you get to lower your monthly obligations, receive cash or build additional equity–at little or no additional cost?

In my experience within the mortgage industry I have helped hundreds of homeowners refinance their homes. I have dedicated myself to helping my clients achieve a stress-free and rewarding home refinance experience.

One of the most important ways that we can make the home refinance experience stress-free is making sure that you are well prepared for the application process. In this regard, I am enclosing a list of items you will need in order to complete application.

•Call me and we can set-up a face-to-face appointment.

•Go online to fill out the application at _____________________.

I look forward to working with you in completing the mortgage process and making the decision as to the right mortgage program to refinance your new home. I will call you shortly so that we can continue our discussion of the alternatives. Time is of the essence, because history has shown us that these low rates will not last forever.