Refinance Anywhere in the US

Could your current home loan be serving your needs better? It may be time to refinance.

The Benefits of Refinancing

The exact benefits of refinancing vary from one scenario to the next. Here are a few possible advantages of refinancing your home loan:

Potentially pay a lower interest rate on your mortgage, saving each month.
Switch the format of your interest rate.
Change the loan term to give yourself more time to pay off the mortgage.
Negotiate different terms for your loan.
Enhance flexibility in your life financially and increase your peace of mind.
Grow your wealth more effectively and make progress towards your long term goals.

When Should You Refinance?

Refinancing can be helpful in a number of different situations. Here are a few examples where doing so could be to your benefit:

If the interest rate you are paying is higher than interest rates for new mortgages today, refinancing could help you save significant money.

Are you earning more money than you were when you first purchased your home? You may qualify for a more competitive interest rate now then you did previously. The same may also be true if your credit score has gone up.

If mortgage insurance is eating a hole in your finances, you might be able to refinance and get rid of it given sufficient home equity.

When your adjustable mortgage rate is ballooning, refinancing to a fixed mortgage rate can put a cap on it.

In some scenarios, homebuyers assume they will remain in their homes for a long time, and choose fixed mortgage rates. When they realize they will be moving sooner than expected, refinancing to an adjustable rate can help them save money during the introductory period.

Life does not always unfold according to plan. If you’re income has taken a hit, refinancing to a longer loan term can make it more affordable to keep up with your payments.

A cash out refinance is an option if you want to consolidate your high interest debts.

See What Our Clients Are Saying About Us!

Ascend Mortgage

5.0

Based on 44 reviews

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Maddy Jonas

1680315809

Cristina Rodriguez

1667863682

This was my third house purchase, and by far, it was the first time that I felt like a mortgage company was on my side. Being an out of state buyer and doing everything over video, email and phone, we were depending on reliable, honest information. Sean was an indispensable factor, in helping us narrow down our options. We did not know that Michigan’s property tax environment would be one of the key factors in our purchase. With Sean’s advice, we were able to see the clear choice. This type of insight is what every buyer needs. Everyone at Ascend Mortgage (Sean, Maria and Ben) helped make this virtual buying experience a reality. Choose this company if you want genuine service from people who have your back. Thank you Ascend Mortgage!

Nicole Standard

1654267511

Trevor Cox

1652715249

If you are looking for a rockstar team to help with your lending needs, then reach to Sean and his team at Ascend Mortgage! Through every step of the process they were always there for us if we had questions and were very knowledgeable about market conditions. Their team was on top of everything in which helped us close fast! I have worked with this team twice in the past 5 years and would recommend anyone to them!

Zachary Wagner

1652293036

My wife and I just purchased our first home and worked directly with Sean, Ben, and Maria. We had many questions and each of them on separate occasions reached out quickly and were a major help to us. We highly recommend using Ascend Mortgage as they are very smart and more than capable of going the extra mile for there customers!

Britney Glowe

1649021716

The team at Ascend Mortgage was so great to work with. They communicated quickly and efficiently, and helped make the entire process smooth and easy to navigate.

Brooke Busse

1646361201

This company is amazing! They did everything possible to make sure I was in the best position to have an amazing offer on a house. The lender would call the listing agent and send him videos on my behalf. On top of that, they were able to close on my house in 20 days. I would recommend this company to anyone looking to buy a house.

Maya LaFlamme

1643757648

Our realtor recommended Sean at Ascend Mortgage along with a couple of other local lenders. We ultimately chose Sean because the platform and website was extremely user friendly. Honestly, we couldn’t have picked a better lender as first time home buyers. Sean answered all of our questions before we even asked. He is so knowledgeable, warm and treated this process with so much care. At no point did we feel ignorant, abandoned or judged. Even when we had to talk about our finances (my credit score was very, very low) I didn’t feel shame or embarrassment. Sean came up with a plan that helped my credit and put us in a position for a potentially better interest rate in the future. Ben and Maria put in so much administrative work and answered all of our questions quickly and kindly. I loved how easy the portal was to upload our documents and see when they’re been reviewed and accepted. Every step of the way Ben, Maria and Sean kept us in the loop and was clear about the pace in which we should do things without making us feel rushed and stressed. Every step of the way Ben, Maria and Sean kept us in the loop and was clear about the pace in which we should do things without making us feel rushed and stressed. Maria and Ben especially showed up strong during the underwriting process. We had a grant and they were incredible juggling the needs and priorities of our funder and the lender.All in all, this experience was amazing and easeful. I would use Ascend again, again and again.

Darrell Niedzwiecki

1642162711

Sean Chamberlain and his team did a great job assisting us with a home loan! Sean in particular did an excellent job explaining and assisting with every step in the process. We found his use of video messages very helpful.

Denise Roe

1640372242

This is our 7th home purchase and I can say, without a doubt, Ascend mortgage was by far the best mortgage company we have ever worked with. Sean was phenomenal to work with and extremely knowledgeable on financial planning and strategy. Thank you to the Ascend team!

Jeff Roe

1640207060

Sean and his team did a fantastic job handling our mortgage for our vacation home in Michigan. He was extremely easy to work with and explained everything along the way, making this a very painless process for us. I can't recommend Sean and his team at Ascend Mortgage enough!

Thomas Parkhill

1638106472

I have had the pleasure of working with Ascend Mortgage and Sean Chamberlain previously. This year I had the privilege of working with Sean's assistant, Maria Janiszewska-Chamberlain and Operations Manager, Ben Daiek, who helped me get everything electrically signed, and ready to go to the Transnation Title Company in Clarkston. Ben was extremely helpful and very patient with an old guy who is not very sharp with new technology on my computer and cell phone. Ben also delivered my documents to my residence.I don't know about other mortgage companies, but I would highly recommend Ascend Mortgage LLC with Sean Chamberlain and his team with Maria and Ben for a wonderful experience my wife, Cindi and myself received.Thomas H. Parkhill

Ciaran McQuiston

1637710947

We absolutely loved working with the team at Ascend! We wouldn’t have gotten our home in this competitive market without the speed with which they could promise to process our mortgage. They were also incredibly friendly, professional, and easy to work with. We had an amazing experience. 10/10!

Maria Janiszewska

1637092584

Drake Jarmon

1632314139

Working with Sean and his team was extremely easy! Very professional and quick to respond. Always available, day or night, to answer any questions that we had. Up to date technology!! Highly recommend for the purchase or refinancing of your home.

Stefan Anderson

1631894830

Great experience overall. They took a personal approach to educate us on our home buying journey to ensure we knew what to expect to aid us in our decision process.

Tony Yancey

1629490950

Wes Evans

1628286575

I met Sean chamberlain and his excellent team during at service call at his office.After talking about the results of his AC diagnosis we began talking about life and finances Sean is very easy to talk too and has great advice for first time and longtime homeowners.When it comes to making financial decisions I HiGHLY recommend Sean and his team at ascend mortgage to anyone looking to refinance there home.Anytime I had a question either him or his team were right there to make sure I had an answer quickly

Ashlynn Graff

1627927942

We have used Sean and his team at Ascend Mortgage for a new purchase and two refinances. I am a former real estate agent and have worked with many different mortgage companies. Ascend Mortgage is by far the best! The rate is always the lowest I can find. They are extremely responsive and transparent. I get weekly updates from them that shows me my current house value and neighborhood trends. They contact me when I can save money on my mortgage and get a better rate without pestering me. They are just all around great people. Thank you Sean, Ben and Maria!

Dan Lupo

1627321701

I primarily worked with Ben Daiek and Sean Chamberlain at Ascend Mortgage and they made this process quick, easy and understandable. It was painless and way less intimidating than I thought it would be. They got me a great rate and there’s nothing more that I could ask for or that I would change about my experience.

CoMi ProVa

1624160631

Ascend mortgage has been amazing, thanks to them we were able to get an amazing rate, the communication was consistent and extremely pleasant and we were able to buy our dream house in a crazy market. Thank you Ascend team, you are awesome!

Greg Tony

1621889164

Demetrios Kanellopoulos

1619619965

We had a great experience working with both Sean and Ben! The team is very responsive and they were able to answer all of our questions.

Caitlin Wysocki

1619618914

Ascend Mortgage made the process of buying my first home so easy! Sean, Maria, and Ben were extremely helpful and I’m so glad we chose their team. Sean sends personalized videos in all his emails which makes it so easy to communicate. They were all very invested in our home-buying process and it truly felt that they cared about us. They were always available any time I had questions and I would recommend them to anyone I know buying a house.

Kelli Joubran

1616110375

Sean, Ben, and Maria made the financing process of buying my new home so easy! Their professionalism, knowledge, responsiveness...5 stars! I'd recommend Ascend mortgage without hesitation.

Denise Mckibben

1616098244

Sean and his team are fast responding and very professional!! This is the 3rd time we have used Sean Chamberlain. And we will continue to!

Aleaha Begum

1616032271

Deciding to work with Ascend Mortgage was the best choice we could have made as a first time home buyer. Right from the start, Sean was fully committed to providing everything we needed to be a well informed client. Sean spent hours meeting with us through Zoom answering all the questions we had. He explained everything in easy to understand terms and was very patient, making sure that we were satisfied with the details of everything involved all along the way. Sean helped guide us in many crucial decisions, laying out the pros and cons of each. Ascend mortgage went above and beyond to get our offer accepted on our home by calling listing agent or sending recorded videos about how strong our loan was and close in record time. Sean and his team went above and beyond in more ways then I have space to write about. We look forward to continuing working with Ascend Mortgage in the future. Thank you Sean, Ben and Maria for your wonderful service. We appreciate you all so much.

Kyle Chavez

1615214623

Sean and the team were very responsive throughout the whole house-buying process. They got me a great rate and were able to close on my house extremely quickly. 5/5 would mortgage again.

Jihad Allan

1614550415

I got to know Sean in 2013 when I purchased my house. After checking with other companies I always went back to Sean knowing he will give me an honest answer. Sean and his team are wonderful people. Excellent customer service. Sean is a friend. I feel very comfortable working with him and his team. I definitely recommend Ascend Mortgage. Check them out and you will be happy.

Sung Ahn

1614362756

Ascend Mortgage has great people to work with. My experience with them was really good. I was able to close my home on the date I've originally planned.

Refinance in Jacksonville, FL or Anywhere Nationwide

If you need help figuring out whether refinancing your mortgage makes financial sense, you can receive in-depth answers and personalized advice from our friendly loan experts.

Please give us a call today at (248) 775-1275 to schedule your consultation. We work with homeowners in Michigan and Florida.

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