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Refinance

Want to lower your interest rate, pay off debt, and give yourself peace of mind? Refinance your Vermont home with The Mortgage Guy's flexible mortgage programs. It's easy! We have an array of refinancing products to ensure you'll find the right loan to suit your financial needs.

Knowing exactly when the perfect time is to refinance would require a bit of psychic ability. It's probably not worth trying to predict mortgage rate moves. So ask yourself: what rate would you need before refinancing makes sense? Our free Refinance Advisor worksheet below is designed to help you answer that.

One thing to keep in mind: The interest rate isn't the only thing to consider when shopping for a new loan. You'll need to consider closing costs, too. Our Refinance Advisor is designed to narrow down your options based on your individual needs. It's quick, easy, and the more questions you answer, the more accurate your results. You'll receive the Vermont refinancing information you need to make an informed decision!


Refinance Advisor

First, fill out the form below so that we can help you determine the best loan for your needs.

Second, we'll contact you to discuss your options. Once we have determined the best program and rate solution, we'll email you the loan documents for your review and signatures, and ask that you return the application along with the documentation needed. Spruce Mortgage will then submit your file for approval.

Third, once approved, we'll arrange for you to close your loan at an attorney's office most convenient to you.

General Information
State where Property is located:
Type of Home:
Your Credit Profile:
Step 2: Needs Assessment
Your reason for refinancing is?:
Mortgage(s) you are refinancing?:
Loan amount desired:
What is your current loan program?:
Estimate the current value of your property:
How long do you plan on keeping the property?:
Step 3: Borrower Information
Are you the primary borrower?:
Is there a co-borrower?:
What is the employment status of the primary borrower?:

What is your average monthly income?: $
What are your average monthly expenses?: $
Do you know your credit score?:
Has the primary or co-borrower filed for bankruptcy in the last seven years?:
Step 4: Get Your Results:
First Name:
Last Name:
Email Adress:
Phone:
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Loan Officer License 92154 / Broker License 49592
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