Back to School Information It’s August and for many of us that means it’s time to start planning for the new school year! Looking for school supply lists, new student registration information, or open house dates? Follow the links below for all the information you need for the start of the 2015-2016 school year

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Perhaps your children are heading off to college. If the cost of tuition, housing and books concerns you, you might want to consider refinancing your home.

Tera Gilbert with New Penn Financial suggests that if you’ve been thinking of reducing your loan term from a 30-year fixed to a 10-, 15- or 20-year loan, it’s probably a good idea to go ahead and start the refinance process. But while you’re at it, pull some cash out during the process to take care of college expenses. In Texas, you can pull cash out during a refinance up to 80 percent of the current market value of your home. And that cash can be used for any purpose you choose, including college tuition.

Say you have a 30-year fixed rate at 4.875% on a $300,000 mortgage and your home is worth $550,000. You determine that refinancing that note into a 20-year loan at 3.50% will save you a considerable amount of interest over time. During this process, you decide to not just change the term and reduce your rate but you also pull out $20,000 for college. The difference in monthly payments is just over $100 per month. Where else can you leverage $20,000 at such a rate?

If you would like to talk about your options and see if this process makes sense for you, send me a message and I’d be happy to connect you.

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