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About
My name is Trent Fredericks
I’m a North Carolina based mortgage broker specializing in refinancing solutions that are designed around the client, not the market hype. My focus is on helping homeowners understand when refinancing truly makes sense and ensuring they have access to the best options available for their specific goals.
By working with multiple lenders, I’m able to shop rates and loan programs to find competitive refinancing solutions, whether the objective is lowering monthly payments, reducing long-term interest, accessing equity, or improving overall cash flow. Just as important, I help clients determine if and when refinancing is the right move, because sometimes the smartest decision is waiting.
I take pride in providing clear guidance, honest advice, and a high level of service throughout the entire process. From the initial analysis to closing, my clients can expect transparency, responsiveness, and a smooth experience.
My goal is to build long-term relationships based on trust, strong results, and sound financial decisions, helping homeowners refinance with confidence
How can refinancing help you ?
Lower Interest Rate
By taking advantage of current market rates, you may save money over the life of your loan. This process involves replacing your existing mortgage with a new one, ideally at a rate, allowing you to improve your financial situation. It's a great opportunity to consider if you're looking to lower your mortgage costs.
Shorten Loan Term
By opting for a shorter term, you can often secure a lower interest rate, which means you'll pay less in interest over the life of the loan. This not only helps you build equity faster but also allows you to achieve homeownership goals sooner. Consider discussing your options with a mortgage professional to see how refinancing can benefit you.
Lower Monthly Payment
Refinancing your mortgage can be a smart financial move that helps lower your monthly payments. securing a lower interest rate or extending your loan term, you can reduce the amount you pay each month, freeing up cash for other expenses. It's to assess your current mortgage terms and shop around for the best refinancing options available.
Cash out Refinance
By refinancing your mortgage you can convert your equity into cash, which can be used for various purposes like home improvements, debt consolidation, or funding education. This option often comes with lower interest rates compared to other types of loans, making it a cost-effective way to secure funds. Additionally, it can potentially lead to a more favorable overall financial situation by allowing you to manage your debt more effectively.
Change Mortgage Product
Refinancing your mortgage can be a strategic move to switch from one mortgage product to another that better suits your financial needs. By refinancing, you may switch from an adjustable-rate mortgage to a fixed-rate mortgage for more stability. This process can potentially reduce the total interest paid over the life of loan.
Remove PMI
Refinancing your mortgage to remove Private Mortgage Insurance (PMI) can lead to significant savings. By eliminating PMI, you can lower your monthly payments and increase your home equity. This move not only reduces your overall mortgage cost but also frees up funds for other financial goals. Ultimately, refinancing can enhance your financial flexibility and provide peace of mind as a homeowner.