While interest rates have gone up from the record lows we saw in 2003 and 2004, the simple fact is that rates are still very competitive. If you have recently improved your credit, gotten a raise, or finally have 2 years of employment history as a self-employed person or in commission sales, you may qualify for a better rate based on your situation change.

Want to switch from a 30-year loan to 25, 20, 15, or 10? In addition to the interest savings from paying off your loan faster you may also qualify for a lower interest rate.

Did you buy the house with a 30-year fixed loan only to realize your plans have changed? Switching to an adjustable-rate mortgage could save you thousands over the next 3-5 years alone!

Whatever your situation, if you want a better interest rate on your mortgage, call Dave today at 303-517-7644. He’ll give you an up-to-the-minute report on interest rates from lenders nationwide—and even customize your rate quote to your personal situation and needs. Or, if you’re waiting until a specific date to refinance, sign up for Dave’s Rate Watch service. You’ll receive monthly or quarterly updates so you will know when the time is right to move forward.