REACH YOUR FINANCIAL GOALS SOONER WITH THE RIGHT REFINANCE. Stearns WHEN YOU REFINANCE WITH US YOU MAY BE ABLE TO LOWER YOUR LOAN'S INTEREST RATE & IMPROVE YOUR CURRENT & FUTURE FINANCIAL OUTLOOK. FINANCE A MAJOR PURCHASE with a cash- out refinance. You may qualify to use the equity in your home to finance home improvements, college tuition or pay off high-interest credit cards REFINANCE YOUR ADJUSTABLE-RATE MORTGAGE (ARM) to a fixed-rate loan. This gives you the option to lock in today's interest rates. This also eliminates the risk of your loan's rate adjusting upwards, which could increase your monthly payments. .REFINANCE TO A SHORTER TERM. If you have a 30-year mortgage, refinancing to a 15-year term may help you pay off your loan sooner. A shorter loan term may also reduce the interest portion of your mortgage. CONTACT US FOR DETAILS 570-417-1428 NMLS 127937 SHARON GENEROTTI Branch Manager 570-561-7829 NMLS# 197696 BARBARA GARRETT 570-994-0975 NMLS# 408692 LIANE SCOFIELD 570-575-4304 NMLS# 138833 TOM GALLAGHER Tacomtnt to lend Phogram non pply ansLandng, Csmny lcan poducts a Landg, CaCaoma Lmd Laby Copany hadad Ca D 0e Roor Sants Ana Cama 9r 0uEND 3Company MLS 185 sumeogThi maton isun as of 1 20Sm Londng LCAl Rghts Rod Linsed by the N Decant aning and hauncs Vegea SCopon Comisie Lnd k Lea C21FET1021 S1225 C ar3 REACH YOUR FINANCIAL GOALS SOONER WITH THE RIGHT REFINANCE. Stearns WHEN YOU REFINANCE WITH US YOU MAY BE ABLE TO LOWER YOUR LOAN'S INTEREST RATE & IMPROVE YOUR CURRENT & FUTURE FINANCIAL OUTLOOK. FINANCE A MAJOR PURCHASE with a cash- out refinance. You may qualify to use the equity in your home to finance home improvements, college tuition or pay off high-interest credit cards REFINANCE YOUR ADJUSTABLE-RATE MORTGAGE (ARM) to a fixed-rate loan. This gives you the option to lock in today's interest rates. This also eliminates the risk of your loan's rate adjusting upwards, which could increase your monthly payments. .REFINANCE TO A SHORTER TERM. If you have a 30-year mortgage, refinancing to a 15-year term may help you pay off your loan sooner. A shorter loan term may also reduce the interest portion of your mortgage. CONTACT US FOR DETAILS 570-417-1428 NMLS 127937 SHARON GENEROTTI Branch Manager 570-561-7829 NMLS# 197696 BARBARA GARRETT 570-994-0975 NMLS# 408692 LIANE SCOFIELD 570-575-4304 NMLS# 138833 TOM GALLAGHER Tacomtnt to lend Phogram non pply ansLandng, Csmny lcan poducts a Landg, CaCaoma Lmd Laby Copany hadad Ca D 0e Roor Sants Ana Cama 9r 0uEND 3Company MLS 185 sumeogThi maton isun as of 1 20Sm Londng LCAl Rghts Rod Linsed by the N Decant aning and hauncs Vegea SCopon Comisie Lnd k Lea C21FET1021 S1225 C ar3