Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.


Refinancing My Investment Property

Refinancing my investment properties - Refinancing investment properties should be done with through an experienced mortgage professional only. There is more work that needs to be done when refinancing investments, and there are more mistakes that can be made that can cause your refinance to be declined. These mistakes can be avoided by working with a knowledgeable loan officer to handle your financing needs.

Some lenders have programs available that allow you to finance up to 100% of your Non-Owner Occupied property at a very attractive interest rate. To find out what financing options are available to you, call me at 888-418-4467 or email me at

The appraisal on an investment property is different than a regular owner occupied home. There needs to be an income analysis and a schedule of rents comparing the subject property to the real estate market that it is in.

Lenders also consider investment properties to be a higher risk loan than an owner occupied property. With this comes higher rates and tougher underwriting guidelines.

When you refinance your investment property there will not be a rescission period for the new loan. If you are getting any cash out you will receive that money at closing instead of having to wait three days like you would if it were your primary residence.

Refinancing my primary residence - Refinancing has been a very popular thing to do over the past decade or so. Consumers are realizing the power of their mortgage and the advantages that a mortgage can provide. By refinancing you can: help with end of the year tax savings, save in outgoing monthly expenses, lower your current interest rate, lock into a fixed interest rate, lower your monthly payments, consolidate debt, and much, much more.

At First Security Financial Services, Inc., we have many refinancing options available that meet the needs of every type of borrower. To find out how we can help you meet your financial goals, call 888-418-4467 or email me at

Refinance my second home - With more and more people owning second homes these days it is becoming more important to review your financing on all of the properties that you own and not just your main residence. Many times a better rate can be found for your second home which can save you a lot of money. Too often people dont even think about or pay enough attention to the terms of their rental properties and their second homes and they end up spending more money than they need to through high interest rates and unfavorable loan terms. Contact your local mortgage consultant at 888-418-4467 and find out how much money you can save.

When can I refinance? - Refinancing can be done anytime. However, special attention should be paid to your current loan terms, your ultimate goals with refinancing, any pre-payment penalty you may currently have, and the current interest rates that you would qualify for. Consult a mortgage professional immediately to find out if now is the best time for you to refinance.

Refinancing when self-employed - Can I refinance if I am self-employed? What are the qualifications that I must meet? How long do I need to be self-employed? These are just a few of the questions that many self-employed people ask when they are looking to refinance their mortgage on their home. Yes, you can refinance your home, even if you are self-employed. Most lenders will want to see a 2 year history of being self-employed, but some lenders will make exceptions on that requirement.


If you have any questions regarding our products, you can contact us by calling or e-mailing us and we'll get back to you as soon as possible. Thanks!



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