One of the first things I like to do when my clients call me inquiring about refinancing, is help them assess if it is a benefit.  Yes, I only get paid for making loans.  However, I probably talk about half of them out of refinancing.  Why? Because if it isn't going to benefit them, I'm going to be the first one to let them know.  Taking a mortgage from 3.5% to 5% in order to get $5k cash out  is not a benefit. 

However, even in this raising rate environment, there are still plenty of circumstances where a refinance can be a benefit.  Are you drowning in high interest credit card debt?  Do you want to shorten your mortgage term (note: this one may or may not be a benefit as depending on what your current rate is at sometimes it makes sense to just keep your loan and pay extra to principal).  Need Cash out for a large purchase?  Want to get out of your adjustable rate?  Bottom line is don't be afraid to call me and just discuss if refinancing makes sense for you.  I''ve never been a high pressure guy and I never will be.

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