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TFC Tricont Mortgage Logo and Motto Three Times Your SavingsContact Info    tricontmortgage.com    Office: (803) 317-2500
Fax: (803) 317-2505
Alt. Phone: (803) 450-0030


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Refinances                                     Tricont !!! The Nation's #1 Place for (No Cost & Low Rates) Refinances.


Homeowner's Critical News *** If your mortgage, credit cards, car loans, etc interest rate(s) is/are 3% or higher, you need to call a Mortgage Client Advisor at TFC Tricont Mortgage, A Division of Tricont Financial Corporation and Take advantage of our "Three Times Your Savings" “3xYs”program *** Call or Email us at ***(803) 317-2500 **_** clientcare@tricontmortgage.com for a fee and rate offer*** Together, we will build the bridge to your world. Thank you very much.


Refinancing your Mortgage Loan

Refinancing may refer to the replacement of an existing debt obligation with a debt obligation under different terms. The terms and conditions of

refinancing may vary widely by country, province or state, based on several economic factors such as inherent risk, projected risk, political stability of a nation,

currency stability, banking regulations, borrower's credit worthiness, and credit rating of a nation. In the United States, a common form of refinancing

is for a place of primary residency mortgage.


Refinance & "3xYs"                                                                     GetRatesNow

Why Refinance Occur

If the replacement of debt occurs under financial distress, refinancing might be referred to as debt restructuring or modification.

A mortgage loan (debt) might be refinanced for various reasons:

1)      To take advantage of a better interest rate thereby reducing your monthly payment or your term.

2)      To consolidate (combine) other debt(s) into one loan for a potentially longer or shorter term (contingent on interest rate differential and fees)

3)      To reduce the monthly repayment amount often for a longer term (contingent on interest rate differential and fees)

4)      To reduce or alter risk e.g. switching from a adjustable (variable) rate to a fixed rate loan

5)      To free up cash for needs such as starting a business, home improvements, etc. often for a longer term (contingent on interest rate differential and fees)


Refinancing for reasons 2, 3, and 5 are usually undertaken by homeowners or borrowers who are in financial difficulty in order to reduce their monthly repayment obligations, with the penalty that they will take longer to pay off their debt.

In the context of personal (as opposed to corporate) finance, refinancing multiple debts makes management of the debt easier.

If high-interest debt, such as credit card debt, is consolidated into the home mortgage, the borrower is able to pay off the remaining debt at mortgage rates which are often lower over a longer period.

For home mortgages in the United States, there may be tax advantages available with refinancing, particularly if one does not pay Alternative Minimum Tax.


Why Refinance Now? With lower mortgage rates and many government insured or guaranteed mortgage programs more readily available today, homeowners are taking advantage and buying, refinancing or converting their adjustable rate mortgages into low fixed rate mortgages than ever before. At TFC Tricont Mortgage, we have developed a custom mortgage engine, utilizing our "Low Rates Warehouse" in combination with our "Three Times Your Savings" programs to reduce our consumers fees and rates, putting them and their family in a much better financial position.


Refinance Benefits Characteristics

1)     Lower your interest rate

2)     Lower your monthly payment

3)     Change your adjustable rate loan into a low fixed rate mortgage

4)     Payoff (consolidate) your high interest rates debts into one low monthly payment

5)     Reduce the term of your current mortgage

6)     Get cash out for home improvement projects like an improvements to your kitchen, roof, bathroom, etc..

7)     Get cash out for your child's education or as seed or growth money for your business

8)     Create a retirement or investment plans for you or your children's future

Thinking About Refinancing? Have you imagined paying off your debts, reducing the term of your current mortgage, getting some money (cash out) for your projects or bills and still close with a new lower monthly payment? Call us now (803) 317-2500 or click here to complete our 3 easy steps mortgage questionnaire at our take advantage of our low rate warehouse for a no-obligation custom built fees and rates offers that will provide an answer to all your financial needs.
Below, we have compiled for you some of the reasons people refinance their mortgages with us. However, we recognize that your reasons may be different. because everyone do not always have the same needs.


To Get a Lower Monthly Mortgage Payment At TFC Tricont Mortgage, even a small reduction to your interest rate can result in a significant lower monthly payment. Besides, refinancing is a good way to stop paying too much money every month when you do not have to. Refinancing can also get you a lower monthly payment by:

1)     Lowering your interest rate

2)     Changing your rising adjustable rate loan into a low fixed rate mortgage

3)     Reducing the term of your current mortgage


Refinancing to Get Access to Cash Many homeowners have equity (money) in their home that has accumulated over the years. By refinancing, you can get the money you need and at the same time:

1)     Pay off your high interest debts like car loans or credit cards

2)     Perform home improvements or pay your regular bills

3)     Pay for your child's education

4)     Get seed or growth money for your business


Eliminate High-Interest Debts like Auto Loan and Credit Cards Auto loans, credit cards and other revolving debts usually carry high compound interest rates that are usually (15% and higher). Unlike revolving debts, a mortgage have a much lower non-compounded interest rate and are often tax deductible*. Therefore paying off your credit card and other higher-interest rates debts through refinancing will save you thousands in monthly payments.
Change an Adjustable Rate Mortgage (ARM) into a Low Fixed-Rate Mortgage Many homeowners took an ARM (Adjustable Rate Mortgage) when interest rates were high because starting rates on adjustable rate mortgages are usually a little lower than those of other mortgages. These homeowners are now taking advantages of today's low interest rates by refinancing into a Low Fixed Rate mortgage and significantly reducing their monthly payments.
Your Credit Rating can Improve By paying off your credit cards, auto and other high interest rate debts, your credit scores can improve because the credit rating agencies recognizes paying off debts as an act of taking financial responsibility.

Tricont Refinances _____ Thank You.

U.S. Department of Housing and Urban Development                                                                                                                                                                                                                                                                                                                                                 GetRatesNow

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Notice ***Still not sure what to do? Call or Email us at (803) 317-2500 **_** or simply click here to complete our 3 easy steps mortgage questionnaire for a fee and rate offers. Thank you very much.