A refinance offers the same options as your home's original mortgage, which means you
may be able to choose from:

Fixed Rate Mortgages: These offer the predictability of a fixed interest rate for the life of your
Adjustable-Rate Mortgages: These enable you to take advantage of lower introductory
interest rates and monthly payments.
Fixed-rate or ARM?
If current market interest rates are lower than your home loan's rate, it may be an ideal time to
consider refinancing. With our help, you can maximize your savings and improve your future outlook
in several ways:

You can lower your monthly mortgage payments, freeing up more cash
You can apply for a Texas home equity loan and use the funds for anything from college tuition to
home renovations or consolidate debt.
You can shorten your home loan's term for additional savings
You can convert an adjustable-rate mortgage (ARM) into a fixed-rate loan for lasting peace of mind
You can consolidate a first and second mortgage -- often called a first and second lien -- into a
single loan.
Home Refinance
Pinnacle Mortgage and Lending
8000 IH-10 West Suite 600
San Antonio, TX 78230
Phone: 210-524-7750
Fax: 866-374-7751

NMLS# 573971
Start saving money faster with streamlined refinancing
If you have a FHA or VA mortgage, you may qualify for a Streamline Refinance. These offer
lower monthly payments with less paperwork, and you may save on closing costs and fees,