On this 12/9/25 episode of The Your Money Matters Radio Show, I explain how homeowners should evaluate whether it makes sense to refinance now or wait for rates to drop further.
Now what? Well, with rates beginning to decline—but not expected to return to 2022 levels—I emphasize the importance of identifying your goals first. Whether that’s lowering your monthly payment, removing mortgage insurance, accessing cash, or consolidating high-interest debt, the strategy should always start with why you’re refinancing.
I share real examples showing how refinancing, even moving from a 3–4% mortgage into a higher rate, can still save homeowners over $1,000 per month when high-interest credit card debt is factored in. Refinancing sooner can also provide immediate breathing room, help improve credit scores, and significantly reduce the total interest paid over time.
I also explain the risk of waiting too long. While slightly lower rates in the future might reduce payments marginally, homeowners could lose out on substantial monthly savings and potential cash-out opportunities if home values soften.
During the show, I outline several alternative solutions beyond traditional refinancing, including FHA and VA streamline refinances, DSCR loans, bank-statement programs, rehab loans, bridge loans, reverse mortgages, and second-position equity options, all designed to give homeowners multiple pathways to lower payments and improve overall financial stability.
Call me at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! I am helping save so many of my clients, REAL MONEY!
At Affordable Interest Mortgage, we shop across 46 top lenders to find the best fit for your goals. Local, knowledgeable, and flexible, we’re your neighbors, helping you seize every opportunity this market brings.
Catch the full 12/9/25 episode here:
With appreciation,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage
(720) 895-0500
https://www.aimortgage.net
NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate
