As a first time home buyer you can't always get the best rate. Maybe you didn't have twenty percent to put down or maybe your credit needed a little rebuilding. If you've been in the house for a few years now and you've built up some equity, it may be time to refinance and get a better rate.
Refinancing your first home mortgage is very easy and painless, especially if you use your regular mortgage broker. The process still requires and application, a home appraisal and some of the same financial documents you needed to provide for your first time home buying, but the processing and closing should be faster and this time there is no seller involved to slow the process.
Speak with your mortgage broker about first home mortgage refinancing options. You'll probably save some money and maybe you can pull out some equity and fix that master bathroom!
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