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  When to Refinance Your Mortgage  
  Before refinancing your mortgage, there are several things you should consider.  
  Green Tree Servicing LLC offers the following tips:  
  Determine your goals. Common goals for refinancing include reducing interest expenses with a lower rate, or consolidating debt by combining your first mortgage with an existing home equity loan and creating one fixed-rate mortgage.  
  Know When to Refinance. For refinancing to really make sense, you should already have lived in your home for a while. You should also know the status of your current mortgage, including the loan terms and interest rate.  
  Choose a type of refinancing. There are two main types of refinancing:  
Cash-out: You refinance your mortgage, on the same property, but the amount borrow is greater than the previous mortgage, and you take out the difference in cash. Cash-out refinancing is often used to pay down other, more expensive debt.
Rate and Term: You refinance your mortgage with one that has a lower interest rate, a shorter term, or both.
Educational Series: This email is the first in a series designed to provide Green Tree customers with helpful tips and information regarding your mortgage.
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  Call Green Tree today  
  to refinance your mortgage  
Weekdays: 8am – 10pm ET
Saturday: 8am – 4pm ET
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  This is an advertisement  
  Please see below for important information on loan terms, fees, conditions and limitations.  
  Application is required and is subject to credit review and approval. Full documentation required. Not all applicants will be approved. Loan secured by a lien against your property. Additional payments of taxes && property insurance are required. Rates are subject to change without notice and current rates may not be available at loan commitment, lock-in or closing. You may be required to lock in a rate when you apply. Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details.  
  No Appraisal Fee. Available only for loan applications submitted between 03/01/2015 and 06/01/2015 through Green Tree loan officers. Certain loan programs limit the amount a lender can contribute to closing costs and fees. Some investors limit the amount of lender concessions and/or contributions. Absent such limits, Green Tree will pay the actual cost of the required appraisal(s). Not all loan products require an appraisal. If no appraisal is required, no comparable credit will be given. This is not a cash rebate.  
  For Texas Residents only: If the new loan is subject to Section 50 (a) (6) and the loan-to-value ratio exceeds 80%, you will not be eligible for this refinance product.  
  Licensing Information
†Green Tree Servicing LLC
includes in Minnesota Green Tree Loan Company (NMLS Unique Identifier # 385703) and in New York Green Tree Credit LLC (1400 Landmark Towers, 345 St. Peter Street, Saint Paul, MN 55102, Licensed Mortgage Banker – NYS Banking Department, NMLS Unique Identifier # 37949). Green Tree Servicing LLC, 1400 Landmark Towers, 345 St. Peter Street, Saint Paul, MN 55102, 800-423-9527. NMLS Unique Identifier # 1057. Alaska Mortgage Broker/Lender Licensee No. AK1057; Arizona Mortgage Banker License # BK 0905674; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Loans made or arranged pursuant to a California Finance Lenders Law license; Colorado Responsible Party: Green Tree Servicing LLC, 800-423-9527, Regulated by the Division of Real Estate. Georgia Residential Mortgage Licensee License # 7220; Illinois Residential Mortgage Licensee License # MB.0004400; Massachusetts Mortgage Lender License # ML 1057; Minnesota: This is not an offer to enter into an agreement. Such an offer may only be made pursuant to Minn. Stat. § 47.206 (3) and (4); Mississippi Licensed Mortgage Company; Missouri Mortgage Broker License # 13-1833-A; Licensed by the New Hampshire Banking Department, License # 5512-MB; Licensed by the N.J. Department of Banking and Insurance; Ohio Mortgage Broker Act Mortgage Banker Exemption # MBMB.850171.000; Oregon Mortgage Banker License # ML-682; Rhode Island Licensed Lender and Rhode Island Licensed Small Loan Lender; Texas Mortgage Banker Registration, licensed locations in Texas: 4250 North Freeway, Ft. Worth, TX 76137 and 1555 Walnut Hill Lane, Irving, TX 75038; Virginia: NMLS ID # 1057 ( Green Tree Servicing does not currently originate mortgage loans in Hawaii or New York. Limited product availability in West Virginia.
  Because the servicing rights to certain loans were acquired by Green Tree while in default, federal law requires us to provide the following notice: This communication is an attempt to collect a debt and any information obtained will be used for that purpose. Green Tree is a debt collector.  
  Visit Green Tree legal information for additional details on our privacy statement and disclosures.  
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  © 2015 Green Tree Servicing LLC. Equal Housing Lender