Reverse Mortgages


Home Refinance in Gloucester County, NJ

Home Refinance in Gloucester County, NJ

Turtle RefinanceHave you been thinking about refinancing your home? With all of the negative housing industry news lately, it is easy to forget about lowering your housing bills with a refinance. Rates are currently very low and there is a large percentage of home owners who can benefit from a refinance.

Does your math line-up?

You can refinance to save money every month. You can also refinance to change the loan terms. Typically when home owners change loan terms, it is from a 30 to 15 year loan. The reality is that I've met many home owners who's "math" doesn't line up.  For example, I may ask them when they plan to retire. They answer, "in 10 years", but the facts are that their mortgage will last for the next 30 years, and they can't afford to comfortably make the mortgage payments on their "retired income" (in 10 years).

As the saying goes, "You don't know unless you ask!" Should you refinance now? Maybe. The best plan is to talk to someone with access to mortgage rates and options, that can give you sound advice. Talk to a knowledgeable loan officer today. The worst he/she can say is, "Now is not a good time". Conversely they may help you save money, time, and help you properly plan for retirement.

If you would like to talk to a local mortgage loan officer, feel free to call and I'll do my best to point you in the right direction for your personal needs.


Steve Kappre is a mortgage loan officer in New Jersey. Steve is married with 3 children, has lived in South Jersey his whole life and has 10 years experience as a mortgage loan officer. For more info or questions feel free to contact Steve.

  • NJ First Time Home Buyer
  • Purchase, refinance, rehab loans
  • Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more

Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

E-mail Steve Subscribe via E-mail Twitter MeFaceBook Me RSS Feed LinkedIn Me  

Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Comment balloon 4 commentsRichard & Carol DeGrace • August 24 2010 04:57PM


Steve ... Excellent advise may just be the right time to refinance ..and the smartest thing to do is to talk to a mortgage professional like you ..

Posted by Hannah Williams, Expertise NE Philadelphia & Bucks 215-953-8818 (Re/Max Eastern inc.) about 7 years ago

I find that most people don't know enough about financing to make informed decisions. That's where a pro like yourself can certainly help.

Posted by Bill Gassett, Metrowest Massachusetts Real Estate (RE/MAX Executive Realty) about 7 years ago

Hello Webmaster,


I am Olivia Tremlett and I am a member of some financial communities. I just visited your site and trust me you are doing tremendous job for your site. I read some of the articles of your blog and I really found them worth reading. The quality of your content is excellent. It will be help you to earn extra value from google. 


After seeing this, I would like to do something for your site and that also for FREE!!. I would like to write this type of quality content for your blog also if you'll give me the permission. I can give you an original guest post and assure you that it will be published only in your site. All I need is an author's bio. That’s it :)



Please let me know. Waiting for your positive reply. Reach me at:


Thanks and Regards


Posted by Olivia Tremlett almost 7 years ago

Thank you for sharing valuable information as always Steve...I am sure your readers appreciate it as well...

Posted by Catherine "Cathy" Chaudemanche- Edison, NJ, Full Time, Informed and Involved- Results Driven (Metuchen Keller Williams Elite Realty / Middlesex County, NJ) almost 7 years ago

This blog does not allow anonymous comments