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Shane Christopher

Eastmark Branch | Sr. Loan Officer – NMLS 1060530

 

CONTACT EASTMARK BRANCH

Phone

602-576-1929

Email

[email protected]

Licensed in: Serving all of Arizona (AZ)

 

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Homes for Heroes Arizona

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Eastmark Branch is a Homes for Heroes approved Lender in Arizona

Eastmark Branch is a Homes for Heroes approved Lender in Arizona

 


Get Arizona Mortgage Rates for today!

Several factors can affect your ability to get low mortgage rates. Credit score, down payment, the home you want to buy or refinance, the length of the loan, how much you borrow, and even when and where you’re borrowing can all have an impact on what sort of home loan interest rates you can obtain.

Finding the lowest mortgage interest rates is only one factor to be considered when shopping for a home loan. Other considerations, such as closing costs and the type of mortgage, will affect your overall costs as well. Find out today’s rate for Arizona mortgage with a fast, no hassle consultation with our Eastmark Branch at Geneva Financial!

Fill out the below Arizona Mortgage Rate & Cost Request form to the best of your knowledge and I will get back to you as quickly as possible with an estimated scenario.


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Our Eastmark Branch is a Homes for Heroes approved mortgage lender in Arizona

Our Eastmark Branch is a Homes for Heroes approved mortgage lender in Arizona

 

Home for Heroes Arizona

Our Eastmark Branch is an Arizona Homes for Heroes affiliate for the program and can provide these mortgage savings for Military, Police, Firefighters, EMT, Nurses, Teachers and more! Watch video below to learn more about Homes for Heroes.

 

 


Meet the 2019 Geneva Gives Hero of the Year

 

 


About Shane Christopher

 

 

Dog Dad • Husky Fanatic • Mortgage Miracle Worker

Nominated for Loan Officer of the Year by ASREB in 2017 and a Mortgage Loan Officer since 2013, Shane holds more than 30 years of customer sales and service career experience, Mesa, Arizona based Shane Christopher serves as a Mortgage Advisor with Geneva Financial running the Eastmark Mortgage Branch. He is renowned—and respected—for a hometown attitude of service with a smile and treating clients like family.

Shane notes: “Exceeding my clients’ expectations—both Realtor Partners and Borrowers—gives me pure satisfaction for the work that went into the loan and knowing we got to the finish line. Setting up clear expectations for clients and co-workers is essential to making the process stress-free.”

He was previously a Notary Public with Dean Notaries of Arizona, closing loans for the likes of Chase, Wells Fargo, Quicken Loans, Northstar, Flagstar and Peoples Mortgage—closing as many as 11 loans a day. That experience inspired Shane to pursue his current career as a Loan Officer, given his combined expertise in sales, service and the mortgage loan closing process.

A National Association of Mortgage Brokers (NAMB) member, Shane offers new home purchase, refinance, VA loans, jumbo loans, reverse mortgages, HELOC’s, cash-out equity refinance, renovation loans and more.

Shane and the Eastmark Branch focus special attention on America’s Heroes as a Certified Veterans Loan Specialist and an Arizona affiliate with Homes For Heroes – a service offering discounts for Military, Police, Firefighters, EMT’s, Nurses, Teachers and other Hero designations

 


 


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What is a refinance?

To refinance a mortgage means to replace an existing mortgage loan with a new one. With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.

When the refinance is complete, your old loan is retired — replaced with a new mortgage loan with new mortgage terms.

There are lots of reasons why a homeowner would want to refinance.

Sometimes, a homeowner refinances to exploit a change in market conditions, such as a change in today’s mortgage rates or a rise in local home values. A new mortgage can give lower mortgage rates or payments to the homeowner, and can remove private mortgage insurance (PMI) payments.

Other times, a homeowner refinances to take “cash out” for a home improvement project, or to fulfill legal obligations, such as the removal of an ex-spouse from a mortgage loan.

There are dozens of reasons why a homeowner would want to refinance. However, the two most common reasons are to lower the loan’s mortgage rate; and, to lower the loan’s monthly payments.

When you’re considering a refinance, then, define your goal first — what is it you’re trying to accomplish? Then, consider all of your available mortgage refinance options.

Refinancing your mortgage means getting a new loan to pay off your existing loan. Depending on your current financial or personal situation, there are many good reasons to refinance. Based on the type of loan you choose, there are a lot of great benefits too.


Is it a good idea to refinance?

You can get a lower interest rate.

Get a lower interest rate. A lower rate often results in lower mortgage payments. You can use the extra money each month to pay off debt, for savings or investments, or to spend however you like. ** Refinancing your existing loan may result in higher total finance charges for the life of the loan.

You can get a shorter loan term.

Get a shorter loan term. You may end up with a comparable, or slightly higher, monthly payment, but with a shorter term you’ll pay off your loan sooner. You’ll save a ton of money over time by paying less toward interest, and you’ll build equity faster, increasing your net worth.

You can switch from an adjustable rate to a fixed rate.

Switch from an adjustable to a stable fixed rate loan. Switching from an adjustable rate mortgage (ARM) to a fixed rate loan gives you predictable monthly payments over the life of the loan. You won’t experience dramatic monthly payment increases, making long-term budget planning easier.

You can turn your home’s equity into cash. 

Turn your home’s equity into cash. Cash-out refinancing turns the equity in your home into cash. From paying off high-interest credit cards to taking a dream vacation, there are no restrictions to how you use the money. And there are no tax penalties for accessing or using this money.

 

How do I know if this is the right time to refinance my mortgage?

If your home or current mortgage meets one or more of these three conditions, it’s a good time to consider refinancing.



Eastmark Home Loans and Refinance Smart Branch – Mesa, AZ 85212

   

CONTACT EASTMARK BRANCH FOR TODAY’S RATE QUOTE

Phone

602-576-1929

Email

[email protected]

Licensed in: Arizona (AZ)


 


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Shane Christopher Mesa / Eastmark Mortgage Reviews



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