There are many smart reasons to refinance your existing home loan. Whether your current mortgage is with Howard Bank or another lender, our Maryland-based experts have home refinance options just for you.

When you refinance your home, you can:

  • Lower your interest rate: If current mortgage rates are lower than what you’re paying, consider refinancing your mortgage at a better rate.
  • Reduce your monthly payment: You may end up with lower payments if you refinance to a mortgage with a lower interest rate or longer payoff period (from 15 years to 30 years, for example).
  • Pay off your loan faster: You can choose to reduce your loan payoff term when you refinance to a shorter term, such as from 30 years to 20 years or even 15.
  • Switch from one type of home loan to another: You can shift from an adjustable-rate mortgage, or vice versa.
  • Take cash out


Howard Bank home mortgage experts will guide you through the refinance process. Call us at 410-750-0020 or email us.


 Get prequalified and start your refinance pre-application.

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