As the new year begins, many homeowners and homebuyers take time to reassess their financial plans. Housing decisions often play a major role in that process, and understanding available home financing options can help you make informed choices in 2026.
Whether your goal is managing monthly expenses, simplifying existing debt, or preparing for a future home purchase, the right information can help you plan with clarity and confidence.
Reviewing Your Mortgage Options
For homeowners with an existing mortgage, refinancing may be worth exploring depending on current loan terms and financial goals. In some situations, a refinance may result in a different loan structure or adjusted monthly payment that better aligns with current needs.*
Refinancing is not the right fit for everyone, which is why reviewing both short-term and long-term considerations is an important first step.
Using Home Equity Strategically
Some qualified homeowners consider a cash-out refinance as a way to consolidate higher-interest debts, such as credit cards or personal loans, into a single mortgage payment.*
This approach may help simplify monthly budgeting and reduce the number of payments to manage, though it should be evaluated carefully based on individual circumstances.
Preparing for a Future Home Purchase
If buying a home is part of your 2026 plan, early preparation can be helpful. A mortgage pre-approval allows buyers to better understand affordability and financing options before starting their home search.
While a pre-approval does not guarantee final loan approval, it can serve as a useful planning tool as market activity increases.
Planning With Confidence
Every borrower’s situation is different. Taking time early in the year to learn about mortgage refinancing, home equity options, or pre-approval can help you approach housing decisions with greater understanding.
Atlantic Coast Mortgage provides education and guidance to help individuals explore solutions aligned with their financial goals.
Ready to take the next step?
C21 Redwood partners with Atlantic Coast Mortgage to provide clients, friends, and family with a clear, supportive mortgage experience, guiding you every step of the way, from “What’s Next?” to “Welcome Home!”
* Eligibility for all applicants cannot be guaranteed. Atlantic Coast Mortgage (“ACM”) and Century21 Redwood Realty are separate entities and are not affiliated. Consumers are not obligated to use either or both entities to obtain financing or purchase a property.
