Mortgage Refinance
in Louisville KY

FREE Home Refinance Analysis

When you obtained your original mortgage, you hoped that it would serve your needs over the lifetime of your loan. While that does sometimes happen, it is common to need to refinance your mortgage. Circumstances can change, as can mortgage rates. It could be that there is another home loan today which would better serve your needs.

Refinancing in Kentucky Can Bring These Exciting
Benefits

If a refinance on your mortgage is in order, you could look forward to these immediate benefits:

You could pay a lower mortgage rate going forward.

You could extend or reduce your loan term as needed.

The terms of your mortgage could be more favorable and affordable overall.

You could increase stability and liquidity in your finances every month.

Over your remaining mortgage term, you could save thousands of dollars.

Is It Time to Refinance in Louisville?

While there are a variety of circumstances which could call for a home loan refinance, here are some where we recommend that you think about it:

Are mortgage rates today lower on average than those that you are paying? Refinancing may help you reduce your rates.

Is your credit score higher today than it was when you first began paying on your home loan? What about your DTI ratio? Has that gone down? Either or both could qualify you for a more competitive mortgage.

Are your bills a struggle to pay? If you refinance your mortgage to extend your term, the monthly amount you will need to pay will be lower than it is now.

Could you pay off your mortgage early—but are not sure you should because of prepayment penalties? Try refinancing to a shorter mortgage term or to a home loan that does not include those penalties.

Are you going to be staying in your home for longer then you believed when you took out your existing loan? If that caused you to choose an adjustable mortgage rate and you would prefer a fixed rate now, refinancing can bring renewed stability and peace of mind.

Will you be moving out of your home within a few years? Refinancing to an adjustable mortgage rate with a low introductory rate could be a wise decision. It could help you to save money for your eventual move.

Still paying for private mortgage insurance, but think you might be eligible for a loan that does not require that you do so? It might be possible with a refinance to quit paying for PMI.

What Our Clients Are Saying

Amy VanValkenburg
Amy VanValkenburg
21:04 26 Oct 19
My husband and I were referred to Preston Riggs from FSB to handle our complicated loan application. Our move was very stressful as we were moving from Georgia to Kentucky and we had to stay in a hotel for three weeks while our home and our loan were being completed. Preston and his team were so amazing to work with. He was in constant contact with us throughout the entire process...even on the weekends! When our loan underwriters were slow and unresponsive, Preston knew just how much pressure to apply to them to get the loan moved through without upsetting them and causing increased delays. Preston has a great understanding of how the mortgage loan process works along with incredible communication skills; a very hard combination to find. I would highly recommend FSB and Preston Riggs to handle any and all of your mortgage and banking needs.
Jenny Parks
Jenny Parks
20:24 17 Jul 19
Highly recommend!! Entire staff is professional, knowledgeable, and responsive. Excellent customer service - they even brought loan documents to my office to sign so I didn’t have to leave work. Thanks for such a smooth transaction from start to finish!
crash tester
crash tester
01:14 16 Jul 19
The team at FSB made our home buying experience a total stress free experience. First Savings Bank came highly recommend but we were shocked at how fast and efficient the process was. I am recommend First Saving Bank to everyone. From the interest rate to the closing table the team at First Savings is amazing.We cannot thank you guys enough.
Maggie Smith
Maggie Smith
17:12 15 Jul 19
FSB provides a productive and comfortable work environment fit for all walks of life. It's a lovely place to build experience and establish business connections. I thoroughly enjoy my fellow co-workers as well as those who visit from other branches. Proud to be a part of such an excellent team
Revision .
Revision .
14:22 11 Jul 19
I have never experienced such a wonderful place in my life. Made the usual atrocity of getting a mortgage as quick and painless as possible. Devilishly handsome working men and lovely and kind hearted women. I have never in my life wanted more then one household until I ventured forth to this magnificent environment. truly the greatest place on earth. Bring your whole family have them learn about how the harsh mortgage world can also be a fun and enjoyable place its like the Chick Fil A of mortgages an enjoyable experience you don't regret because its so freaking good!
Robert Sullivan
Robert Sullivan
20:10 10 Jul 19
Preston was very very helpful in our loan process. I think we communicated daily throughout the 2 month process. He never said “no” or “sorry, that can’t be done”. I am thankful for his professionalism and personal concern for my situation!! He made us feel like we were their only business at the time.
Christen Buel
Christen Buel
13:56 10 Jul 19
First Savings Bank's mortgage loan officer, Preston Riggs, was amazing. He answered all my questions quickly and my purchase loan closed faster than any other loan I have every applied for. Thank you Preston and First Savings Bank!
Tom Regan
Tom Regan
12:46 10 Jul 19
Our loan officer Preston and the staff were excellent to deal with. Everything went smoothly and we closed with no issues. It was an easy and great experience. I would highly recommend First savings and Preston.
Benny Tincher
Benny Tincher
02:25 10 Jul 19
First Savings Bank Louisville did a great job in processing my home loan in Marco Island, FL. I enjoyed working with all of the people at FSBL. They were very professional and accomplished what they said they would do in a very timely manner.
Alby Rogers
Alby Rogers
00:19 10 Jul 19
Great experience, helped with everything I needed done! Will be returning for sure! Highly recommend!
Daniel Barnett
Daniel Barnett
00:00 10 Jul 19
Quick, easy refinance with no surprises and a great interest rate!
TJ Olson
TJ Olson
23:40 09 Jul 19
The folks at FSB were the shining light of our home buying experience. They were always quick to respond to all of our questions and requests, and were an advocate to our family when we ran into difficulty with the title company. They will be my first suggestion to anyone in the mind to buy a home. Thank you Weldon and Preston, you guys were a big help to us!
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Refinance to a More Competitive Mortgage Today

Don’t keep paying more on your mortgage then you need to. If you are wondering if it is possible to save money on your home loan by refinancing today, we can help you figure that out. If the answer is “yes,” we can then walk you through the application steps. To schedule your refinance consultation in Kentucky today, please call 502-238-9655.

Get Pre-approved Today!

Amid global concern about COVID-19, we will continue to be here for our customers.
 
As people and companies all across the country take additional preparations to protect against the Coronavirus (COVID-19), we acknowledge that your mortgage concerns will likely not be taking a break. At this time, we will remain open full-time and will continue to service our customers with the same fast response times you’ve come to expect from us.
 
Due to the increasing number of reported cases in the U.S., we are continuously monitoring the situation. We will also continue to actively assess the necessary actions we need to take in order to ensure the health and safety of our customers, employees, and their families. We hope that you will join us in taking some basic and important measures, such as frequent hand washing, to keep communal risk low.