Is Your Mortgage Still Working for You?
Whether you want a lower monthly payment, a different loan term, or access to your home equity, Anna Belle Simms will review your current mortgage and walk you through your refinance options — free, with no obligation.
Making Mortgages as Easy as A, B, Simms.
Ways a Refinance May Help
Every situation is different. Here are the most common reasons homeowners refinance — and how Anna can help you weigh each one.
Rate-and-Term Refinance
Replace your current mortgage with a new loan that may have a different interest rate, loan term, or both. Some homeowners refinance to lower their monthly payment; others refinance to pay off their home sooner.
Cash-Out Refinance
Refinance for more than you currently owe and receive the difference in cash. Homeowners often use cash-out funds for home improvements, debt consolidation, or other goals. Your home secures the new loan.
VA Streamline Refinance (IRRRL)
For homeowners with an existing VA loan, a VA Interest Rate Reduction Refinance Loan may offer a streamlined way to refinance. Eligibility and requirements apply.
FHA Streamline Refinance
For homeowners with an existing FHA loan, an FHA Streamline Refinance may reduce paperwork compared to a standard refinance. Eligibility requirements apply.
Remove Mortgage Insurance
Depending on your home's value and loan type, refinancing may help some homeowners remove or reduce mortgage insurance.
Investment Property Refinance
Own rentals? A cash-out refinance on an investment property may help you access equity for your next deal.
Explore DSCR Loans for InvestorsVA compliance: The Simms Team is not affiliated with or endorsed by the VA or any government agency.
Run Your Refinance Numbers
Enter your own numbers — we never display rates you didn't enter. See your estimated payment, break-even point, and total interest.
Run Your Refinance Numbers
Enter your current loan balance and years remaining to see your estimated refinance numbers.
This calculator provides estimates only and does not include taxes, insurance, or mortgage insurance. It is not a loan offer, rate quote, or guarantee of savings. Extending your loan term may lower your monthly payment but increase the total interest you pay. Actual rates, terms, and costs depend on credit, property value, loan program, and lender approval.
Is It Time for a Mortgage Checkup?
- Rates have changed since you got your current loan.
- Your credit has improved.
- Your home's value has gone up.
- You're paying mortgage insurance.
- You want to pay off your home sooner.
- You have higher-interest debt you'd like to consolidate.
- You're planning home improvements.
A free review can help you see whether refinancing makes sense, and whether it doesn't.
How It Works — A, B, Simms
Ask
Request your free refinance review.
Breakdown
Anna reviews your current mortgage and explains your options.
Decide
Choose the path that fits your goals, with guidance every step of the way.
Your Local Newburgh Loan Officer
"I'm Anna Belle Simms, a loan officer based in Newburgh, NY. I help homeowners take an honest look at their current mortgage and understand whether refinancing fits their goals. If it doesn't make sense for you, I'll tell you."
Anna serves homeowners across New York, Connecticut, Pennsylvania, and New Jersey, with a local focus on Newburgh and the Hudson Valley.
Frequently Asked Questions
Does requesting a refinance review affect my credit?+
No. Requesting a free review does not pull your credit. If you decide to apply, a credit check is part of the application process.
How do I know if refinancing is worth it?+
It depends on your current rate, loan term, closing costs, and how long you plan to stay in your home. Anna can help you look at the break-even point.
What does it cost to refinance?+
Refinancing usually involves closing costs, which vary by loan amount, program, and location. Anna can provide an estimate for your scenario.
How much equity do I need for a cash-out refinance?+
Requirements vary by loan program and property type. Anna can review your situation.
I have a VA loan. Can I refinance?+
You may be eligible for a VA Streamline Refinance (IRRRL) or other options. Eligibility requirements apply.
What states does Anna serve?+
New York, Connecticut, Pennsylvania, and New Jersey.
Ready to See Your Refinance Options?
Request your free review. No application or credit check required to request it.