If you bought your home in the last couple of years, you likely locked in at a higher mortgage rate. But here’s the good news—you made a great decision! You bought when others were hesitant, likely received seller concessions, and home values have grown over 5% per year on average for the past three years.

Now, it’s time to take the next step: dial in your mortgage payment to match the smart purchase you made.

This is an all-in-one tool for managing your mortgage, debts, and financial plan. It helps you stay informed, take control, and act when the time is right to achieve your monthly target payment.

Welcome to Your Refi Dashboard

➡️ Custom Refi Solutions

• Discover personalized options to refinance your mortgage or consolidate debt and save.
• If you've taken on more debt or your financial situation has changed, let's find the best strategy to meet your needs.

➡️ Mortgage Rates | Weekly Update

• Get notified about interest rate changes so you are prepared to act quickly.

➡️ Housing Market | Weekly Update

• National and local market trends via Altos Research.
• HomeBot - Track your home value.

➡️ Mortgage Review

• Ensure your current loan still works for your goals and fine-tune where necessary.
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Steps to Reach Your Goals

➡️ Step 1: Debt Analysis Questionnaire

• What is your Blended Rate or the average rate you pay on all your debts?
• Let's take a quick look at your current debts to uncover potential savings.
• Complete the quick questionnaire on this page.

➡️ Step 2: Custom Refi Plan

• Get a personalized strategy to lower your payments and save time.
• Skip 2-month payments to offset your refinance cost.

➡️ Step 3: Get Loan Approval

• I’ll walk you through the paperwork so it’s simple and stress-free.

➡️ Step 4: Watch the Market for Best Rates

• I’ll monitor rates and let you know the best time to lock in.

➡️ Step 5: Find Extra Ways to Save

• We’ll look for additional savings—from insurance to smart loan options.

Next Steps

Let's talk if you’re wondering whether refinancing or consolidating debt could help your monthly budget. I will show you how to save money and move closer to your financial goals.

Don’t wait—reach out now so you’re prepared to act when the right opportunity comes. It could arrive sooner than you think. Let's schedule a call, and I’ll show you how easy this can be.

Remember, you can check your Dashboard anytime, as it is updated weekly.

Best regards,

Michael Thayer, CMPS, CMA

Guild Mortgage | Branch Manager

Always consult an accountant or tax advisor for full eligibility requirements on tax deductions. See additional disclaimers below.