WE ARE AN EQUAL HOUSING LENDER, offering a range of services including downpayment assistance, manufactured home financing, and veterans home loans.

  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • Loan Programs
    • FHA
    • VA
    • FHA 203K
    • USDA
  • Resources
  • FAQ
  • Blog
  • Contact
  • About
  • More
    • WKirk Mortgage Group
    • Purchase
    • Refinance
    • HELOC
    • Loan Programs
      • FHA
      • VA
      • FHA 203K
      • USDA
    • Resources
    • FAQ
    • Blog
    • Contact
    • About

  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • Loan Programs
    • FHA
    • VA
    • FHA 203K
    • USDA
  • Resources
  • FAQ
  • Blog
  • Contact
  • About

Rate Term or Cash Out Refinancing

apply/prequalify online now

Benefits of Rate and Term Refinance

Reduce Monthly Payment

Pay Off Your Home Loan Early

Couple embracing while looking at their new house.

Refinance you loan balance over 30 years to dramatically lower your monthly payment. By refinancing the existing loan, the total finance charges may be higher over the life of the loan.

apply/prequalify online now

Pay Off Your Home Loan Early

Pay Off Your Home Loan Early

Businessman pointing at documents on a laptop during a meeting.

Refinancing into a shorter term loan will not only pay off your loan faster but also save you thousands of dollars in interest costs over the life of the loan.

apply/prequalify online now

Build Home Equity Faster

Build Home Equity Faster

Hands holding stacked coins with upward arrow and a house model representing investment growth.

By reducing your rate and/or shortening you loan term, you contribute more towards your home equity in your monthly payments.

apply/prequalify online now
book a Consultation

Take Control Of Your Finances

Consolidate High Cost Debt

Consolidate High Cost Debt

Consolidate High Cost Debt

Family holding hands watching the sunset at the beach.

Refinance your credit cards and personal loans into a lower rate loan. Simplify your debt and life with a single and much lower monthly payment.

apply/prequalify online now

Make Home Improvement

Consolidate High Cost Debt

Consolidate High Cost Debt

Two people reviewing blueprints in an empty living room with hardwood floors.

Make upgrades adding to the value of your home. Complete that much needed kitchen renovation project. Install a deck or a new roof. Do you need to expand your living space?

apply/prequalify online now

Improve Your Credit Rating

Consolidate High Cost Debt

Improve Your Credit Rating

Couple toasting with wine outside their RV during a picnic.

Using the equity in your home to pay off credit card debt helps to reduce your revolving debt utilization percentage. Boost your credit score and reap the benefits and peace of mind.

apply/prequalify online now

We Are Here To Take Care Of You

We Seek the Best Rate

We Seek the Best Rate

We Seek the Best Rate

Refinancing your loan balance over 30 years can dramatically lower your monthly payment. By exploring refinance options with home loan specialists, you may find that while refinancing the existing loan could lead to higher total finance charges over the life of the loan, personalized mortgage services can help you navigate these decisions. Additionally, seeking mortgage advice can provide insights into whether HELOC services might be a beneficial alternative for you.

Transparency

We Seek the Best Rate

We Seek the Best Rate

Refinancing into a shorter term loan can help you pay off your mortgage faster while also saving you thousands of dollars in interest costs over the life of the loan. Consider consulting with home loan specialists for personalized mortgage services and mortgage advice to explore the best refinance options, including HELOC services.

Expedient

We Seek the Best Rate

Expedient

By reducing your rate and/or shortening your loan term, you contribute more towards your home equity in your monthly payments. This strategy can be enhanced by consulting home loan specialists for personalized mortgage services and exploring various refinance options. Additionally, seeking mortgage advice can help you understand how these adjustments align with HELOC services to maximize your investment.

  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • FHA
  • VA
  • FHA 203K
  • USDA
  • Resources
  • FAQ
  • Privacy
  • Blog
  • Contact
  • About

WKirk Mortgage Group - Alabama and Ohio Licensed

Werdell Kirk, NMLS #1154446

WE ARE AN EQUAL HOUSING LENDER

Copyright © 2025 WKirk Mortgage Group - All Rights Reserved.


NEXA Mortgage, LLC

5559 S Sossaman Road

Bldg 1, Ste 101 

Mesa, AZ 85212 

Corporate NMLS #1660690


All product names, logos, and brands are property of their respective owners. 


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.



This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

DeclineAccept