Home Refinance in Gloucester County, NJ

Reblogger Richard DeGrace
Real Estate Mortgage Broker with Aurora Financial Group


Its still a great time to refinance... Rates are low, low, low...

Buying is also a great time.. Lots of good inventory for first time home buyers and affordable...


Original content by Steve Kappre

Home Refinance in Gloucester County, NJ

Turtle RefinanceHave you been thinking about refinancing your home? With all of the negative housing industry news lately, it is easy to forget about lowering your housing bills with a refinance. Rates are currently very low and there is a large percentage of home owners who can benefit from a refinance.

Does your math line-up?

You can refinance to save money every month. You can also refinance to change the loan terms. Typically when home owners change loan terms, it is from a 30 to 15 year loan. The reality is that I've met many home owners who's "math" doesn't line up.  For example, I may ask them when they plan to retire. They answer, "in 10 years", but the facts are that their mortgage will last for the next 30 years, and they can't afford to comfortably make the mortgage payments on their "retired income" (in 10 years).

As the saying goes, "You don't know unless you ask!" Should you refinance now? Maybe. The best plan is to talk to someone with access to mortgage rates and options, that can give you sound advice. Talk to a knowledgeable loan officer today. The worst he/she can say is, "Now is not a good time". Conversely they may help you save money, time, and help you properly plan for retirement.

If you would like to talk to a local mortgage loan officer, feel free to call and I'll do my best to point you in the right direction for your personal needs.


Steve Kappre is a mortgage loan officer in New Jersey. Steve is married with 3 children, has lived in South Jersey his whole life and has 10 years experience as a mortgage loan officer. For more info or questions feel free to contact Steve.

  • NJ First Time Home Buyer
  • Purchase, refinance, rehab loans
  • Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more

Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance


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Richard DeGrace

NMLS # 149277, Camden County, NJ Loan Officer
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Additional Information

Aurora Financial Group, South Jersey's largest independent mortgage banker. More than 20,000 area consumers have received over $2.1 billion from Aurora over the past two decades. We offer a wide variety of mortgage products, including specialized programs targeted for first-time homebuyers and retirees/seniors. Since it's founding, Aurora has been at the forefront of innovative and addordable residential financing. Some of Aurora's notable achievements are: •Largest originator in southern NJ of government backed loans (FHA, VA, RHS), 1986 to present •Largest participant in NJ Housing & Mortgage Finance Agency (NJHMFA) programs, 1990 to present •Largest originator or Rural Housing Service guaranteed rural housing loans, 1992 to present •A leading providor of renovation and rehab loans using Fannie Mae's "Home-Style", FHA 203k, and NJHMFA's mixed use "upstairs-downstown" and home remodeling "HomePlus" programs •Seller-Servicer for Fannie Mae, NJHMFA, and numerous banks, pensions funds, and private investors. "Aurora Financial Group Inc. (NMLS # 7096) is a licensed Mortgage Banker - States of NJ & PA Departments of Banking."