Refinance and make your mortgage work harder.
Considering a mortgage refinance? Mark Sangster of NOVA Home Loans can help you compare the costs, potential benefits, and available options so you can decide what fits your goals.
See if refinancing makes sense
- Rate-and-term, shorter term or cash-out
- Break-even math before you commit
- Honest answer if it doesn't make sense
Secure application through NOVA Home Loans
Refinance options that fit your goals.
Refinancing is about more than chasing a lower rate. The right move depends on what you're trying to do, whether that's lowering your monthly payment, paying the house off sooner, dropping mortgage insurance, or using equity for what's next.
Sometimes the better answer is to leave your first mortgage alone and use a home equity loan or HELOC instead, especially if you locked in a low rate years ago. I'll compare the options available through NOVA Home Loans and show you which one makes sense for your situation.
What you get with Mark.
Rate & Term Review
I run the numbers so you can see what a refinance could save, or cost, before you commit.
Break-Even Math
I'll show you how long it takes for the savings to cover your closing costs, so you can decide with real numbers.
Equity & Cash-Out Options
Debt consolidation, home improvements, or another goal, I'll help you compare ways to use your equity.
Full-Service Support
From application through closing, one point of contact handling the details.
A simple, straightforward way to refinance.
If it doesn't make sense, I'll say so.
Connect
Tell me what you want a refinance to do for you. Lower payment, shorter term, or cash out. No application, no pressure.
Run the Numbers
I compare your options and show you the estimated savings and the break-even point. If it doesn't make sense, I'll say so.
Lock & Process
We lock your rate and I keep your file moving through underwriting.
Close
Sign your final documents and start seeing the difference in your monthly budget.
Where I help homeowners refinance.
I help homeowners across the Las Vegas valley, including Summerlin, Henderson, North Las Vegas, Enterprise, Spring Valley, and Pahrump, review their refinance options and understand the steps involved. Call or email me to talk through your goals and your current loan.
I'm also licensed in Arizona, California, Colorado, North Carolina, Oregon, Pennsylvania, Texas, and Washington.
Licensed in nine states
Mark works out of NOVA Home Loans' southwest Las Vegas office and is licensed to originate loans in Nevada, Arizona, California, Colorado, North Carolina, Oregon, Pennsylvania, Texas, and Washington. Program availability varies by state. Verify licensing at NMLS Consumer Access (NMLS #351484).
Frequently asked refinance questions.
Straight answers to what borrowers ask most. Don't see yours? Just ask.
Does refinancing make sense for me right now?
How much does it cost to refinance?
Can I use a refinance to pay off debt or fund a project?
Mark Sangster, Senior Loan Officer, NMLS #351484. NOVA Financial & Investment Corporation, DBA NOVA Home Loans, NMLS #3087. 5516 S. Fort Apache Rd., Suite 120, Las Vegas, NV 89148. Office (702) 463-6682. Verify licensing at www.nmlsconsumeraccess.org. This is not a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and program guidelines. Programs, rates, terms, and availability are subject to change without notice. Equal Housing Opportunity.
Ready to make your move? Let's talk.
Whether you're buying, refinancing, or investing, let's talk through your options. No pressure, just straight answers.