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Advance America Refinance: A Guide to Leveraging Your Home Equity

As a homeowner, you have a variety of financial options available to you. One of the most popular and effective ways to tap into your home’s value is through a refinance. Refinancing your home can be a smart move if you are looking to lower your monthly payments, reduce your interest rate, or access cash for large expenses such as home renovations or college tuition.

At Advance America, we understand the importance of financial stability and the role that home equity can play in achieving your goals. Our refinancing program offers flexible terms and competitive rates to help you get the most out of your investment. Read on to learn more about Advance America Refinance and how it can help you leverage your home equity.

What is a Refinance?

A refinance is the process of replacing your existing mortgage with a new, more favorable loan. The new loan typically has a lower interest rate, different terms, or both. Refinancing can help you reduce the total amount of interest you pay over the life of your loan and can save you money on monthly payments. There are two main types of refinancing:

  1. Rate-and-term refinance: This type of refinance is used to change the terms of your current loan without borrowing more money. For example, you may want to reduce your monthly payments by extending the life of your loan, or you may want to switch from an adjustable-rate mortgage to a fixed-rate mortgage.
  2. Cash-out refinance: This type of refinance allows you to borrow more than what you owe on your current loan and receive the difference in cash. The amount you can borrow is based on the equity you have built up in your home.

Why Refinance with Advance America?

As a leader in the financial industry, Advance America Refinance offers a variety of benefits that set us apart from the competition:

  1. Flexible terms: We understand that each homeowner’s situation is unique, and we work to create a personalized lending solution that meets your needs. We offer flexible repayment terms that can be customized to fit your budget and financial goals.
  2. Competitive rates: Our refinance program offers some of the most competitive rates in the industry. You can save money on your monthly payments and reduce the amount of interest you pay over the life of your loan.
  3. Expert guidance: Our experienced loan officers are dedicated to helping you understand the refinancing process and making informed decisions about your finances. We offer personalized guidance throughout the entire process to ensure you feel confident and informed.
  4. Fast and easy application: Applying for a refinance with Advance America is fast and easy. You can complete your application online or in person, and our loan officers will work to get you approved as quickly as possible.

How Can You Benefit from a Refinance?

A refinance can offer a number of benefits for homeowners:

  1. Lower monthly payments: By refinancing your home, you may be able to reduce your monthly mortgage payments. This can free up additional cash for other expenses or help you get on the path to financial stability.
  2. Lower interest rates: Refinancing can help you obtain a lower interest rate on your mortgage. This can help you save money over the life of your loan, reduce the total amount of interest you pay, and lower your monthly payments.
  3. Access to cash: With a cash-out refinance, you can access the equity you have built up in your home and receive the difference in cash. This can be used for a number of expenses, such as home renovations, college tuition, or debt consolidation.
  4. Improved credit: Refinancing your home can help improve your credit score by reducing your debt-to-income ratio and making it easier to manage your finances.

Is Refinancing Right for You?

Refinancing your home is a big decision, and it is important to consider all of the factors before making a choice. A refinance may be right for you if:

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Disclosures
Important Disclosures. Please Read Carefully.

This website provides its services free of charge. In order for us to provide a free service to you, we may receive compensation from third-party advertisers. This compensation may affect the manner in which certain products or services may be displayed throughout our website. Please note that not all financial service products or services are available through this website.

Material Disclosure:

The operator of this website is not a lender, and we do not control and are not responsible for the actions of any lender. Not all lenders in our network can provide up to $5,000. The service is not available in all states. Residents of New York are not eligible to use the service to request a loan. We can’t guarantee that your request will be accepted by one of participating lenders. The service is absolutely free. We do not charge you for any service. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. Credit Implications We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score. Our lenders do not look at credit alone so a low score won't necessarily disqualify you. Our lenders also look at income and previous outstanding loans. APR Disclosure Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.

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This website is a free no-obligation service which connects consumers who are looking to borrow with lenders who are willing to lend to them. We are not a lender and we don’t provide any loan funds, make lending decisions or influence loan approvals. Lenders in our network each have unique lending criteria and individual terms and conditions. When a lender approves you for a loan, they will provide you with a no-obligation loan offer which you should read carefully before deciding whether to progress with the loan. You are under no obligation to accept any loan offers you are provided with. Using This website allows you to reach a network of lenders who might be able to help with your needs via one quick and easy form. We use our bespoke financial technology to save you time and effort connecting to a lender who can help with your needs,

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We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.

We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.

State Availability Disclosure

Not all This website network lenders operate in all US states. Residents of some US states may not be eligible for installment loan products, due to state legislation requirements. By entering your ZIP code at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you are resident in certain US states.

Truth in Lending Policy

All lenders in the This website network adhere strictly to the Truth in Lending Act and will provide fully transparent loan offers and contractual agreements as best practice and as required by federal law. Truth in Lending helps protect consumers against predatory and unscrupulous lending. It’s really important to read all paperwork carefully to ensure you understand repayment terms, dates, APR and any other charges associated with your loan. Remember, you are under no obligation to accept any loan offer unless you are completely happy with the terms offered.

When you receive a loan offer via our network, your lender will disclose details of all relevant loan information, including the applicable interest rates, any additional fees there may be, repayment terms, unique terms and conditions and any other key loan information. You should read and understand this information before you decide to progress with the loan offer. It’s important to us that you make informed financial decisions when you use our services. There’s no obligation or pressure to accept any loan offer you are provided with, and you can choose to decline any loan offer made to you.

APR Disclosure

Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.

Representative Example
APR, Total Loan Costs & All Applicable Fees

Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80

The website is not an offer to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.

The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $100 and $5,000 but not all lenders can provide up to $5,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product.

Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution.

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