30 year FRM or 5/5 ARM? Which is better?
My advice is that you go with a 30yr fixed and don't pay points. We can offer a 30yr fixed today at 3.875% with 0 closing costs today. Give me a call at 770-971-7880 for a quote.Regards,Ron Byrne

Refinance my ARM now or later?
If you plan to keep the home for more than 3 years, you should look at refinancing now. The rate should be lower than what you have but it will depend on the current value. For a qutoe, call me at 770-971-7880.Ron Byrne

Are all closing costs around the same amount?
We can refinance your home with $0 closing costs. Please call me for details.Ron Byrne 770-971-7880

What refinance rate can I get with my credit?
Hello,We can refinance your mortgage at 3.875% with $0 closing costs based on the info that you have provided.Please call me at 770-971-7880.Regards,Ron

2014 how long do I have to own a home to be able to refinance?
We do not have a seasoning requirement for refinancing so we can refinance your home when you are ready. Better do it quick before rates go up further. Give me a call.Midtown Bank, Atlanta GA. Ron Byrne 404-786-5314