Congratulations to the home owners who are now enjoying super low interest rates and also got lender credits to help cover their closing costs, which in effect keeps the new loan amount and monthly payment lower. Rates are still low! If your interest rate starts with a 3 or a 4 (or even 5%…ouch!), reach out to our lender, Seth Erickson at Planet Home Lending. You’ll get a no-pressure consultation, a thorough estimate, and break-even analysis so you can determine if refinancing makes sense. Close in 30 days and defer up to two mortgage payments, plus get an escrow refund from your current lender after closing.