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Make this holiday onesie to remember!

We know this time of year can be stressful, so we’re bringing JOY to the world with refis that help you save big — and feel better about holiday shopping!

We’ve talked about finding your WHY to buy or refi, and now we’re talking about the WHEN. (Spoiler alert: the time is now!) Here are a few reasons why you should make the move to refi this holiday season…

Rates are on the rise again.

With interest rates back up to 3%, you may wonder if it’s still worth it to refi. Short answer: YES! Refinancing can still help lower your monthly expenses and give you the opportunity to change the terms of your loan. If you can lower your rate by at least 0.5% to 1%, it will benefit you financially.

Offset expensive holiday purchases.

Did you pay for pricey plane tickets, presents for family and friends (or yourself), or fancy house decorations? Generosity is never a bad thing (and you’ve got to #TreatYoself from time to time) but it does take a toll on the budget. Refinancing can help you reduce housing costs and recover holiday expenses in the new year.

Home improvements are a bright idea.

Refinancing can free up funds to go toward equity-building home renovations, and there’s no better time than now. Everybody wants to put in a pool in May, but there’s much less demand for contractors in the winter months (which means more wiggle room for negotiating lower renovation costs).