Lower Your Rate or Adjust Your Term.

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A rate-and-term refinance helps you replace your current mortgage with one that saves money, shortens your payoff timeline, or both.

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Overview:

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This option is designed to improve your loan terms without changing your equity position. Whether lowering your interest rate or switching from a 30-year to a 15-year term, it’s a strategic way to improve long-term financial health.

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Key Benefits:

• Lower your interest rate
• Shorten your loan term
• Reduce your monthly payments
• Build equity faster

Who It’s For:

• Homeowners with higher rates than today’s market
• Borrowers wanting to pay off faster
• Clients aiming to reduce monthly payments

The AMB Advantage:

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At AMB, we make refinancing clear and efficient. Our digital tools help you model your new payment options and track your refinance every step of the way.