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This is a great time to Refinance Your Home or Buy a New Home -- the Mortgage Rates are so low, these days! It's always worth a shot to find out what the costs of switching over to a new mortgage would be, to see if that's the right move for you.

Whether you are building your own house, buying a new property, gathering funds to do a renovation project, or Refinancing your current Mortgage at a much Lower Rate, you'll be looking for Funding -- Money, Money & More Money! Here are some commonly asked questions regarding funding for a Mortgage or a Home Improvement Loan.

Finding the home of your dreams may make you do the happy dance. At Guaranty Bank & Trust, we want to be a part of your celebration. When you're looking for a home or want to refinance your mortgage, we understand that your home is as unique as you are. To get started or for periodic reviews to ensure you're staying on track, we have the full range of tools to help you understand your options.

Running the Numbers

If you are renting and considering buying a house, our rent vs. own tool will help you analyze the cost of both options.

To estimate the difference in payments for a fixed vs. adjustable rate loan, use our payment calculator.

As with any other type of loan, the interest rate will affect the amount of your monthly payment. Using our annual percentage rate calculator, you can enter various interest rates to see the payment amount.

If you are considering combining credit card, auto, or another type of debt with your home mortgage, our debt consolidation calculator will provide the information you need.

Prepayment can reduce interest costs by shortening the amount of time it takes to pay the mortgage and lowering the balance during the term of the loan. Check out our prepayment savings calculator to learn more.

Similar to prepayment, you can find out the additional payment needed to pay off your loan early by using our early payoff calculator.

If you are planning to stay in your home, refinancing to lower your interest rate may be a good option for you. To learn more, use our refinance break-even point tool.

Of the many benefits of buying a home, you can save money on your taxes. Calculate your tax savings.1

Whether you're looking for a particular type of loan (FHA/VA, USDA, or conventional) or have some needs such as making a low down payment, we offer personalized service to find the best option for you. Meet our mortgage team.

There are so many mortgage lenders offering such a variety of loan options that at first it can seem a daunting task trying to determine which lender most suits you and your circumstances and which Lender is offering you the best deal on a mortgage!

It is important to note that as you shop for a mortgage, each lender will perform a credit check prior to committing to the mortgage or loan. Each credit check remains on your credit record and could potentially reduce your credit score and eligibility for a mortgage or loan.