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Save thousands and refinance your home loan with AFS.

Take advantage of the low available interest rates and save as much on mortgage costs as you can.

Homeowners refinance for various reasons. Check out the options listed below to learn more about refinancing, and see if any apply to you. Give Affordable Financial Services LTD a call if you have any questions.

Refinancing Options:


Fixed mortgages are said to be the safest because the fixed rate protects you from the uncertainty of a changing rate. A fixed rate guarantees that your mortgage payments for interest and principal won't change.


Affordable Financial Services LTD offers variable rate mortgages,also known as ARM’s or adjustable rate mortgages.Adjustable rate mortgages provide for periodic changes in the interest rate.


A Reverse Mortgage allows you to borrow money against the value of your home. The borrower is not required to repay the loan until death or pending sale of the home.

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What should I know about mortgage refinancing?

Here are some common reasons to refinance...

Lower Payments

Lowering your monthly payments can help you budget more money for your household and help you sleep easy with more savings for any unforseen or happily planned circumstances.

Lower Interest

By paying down the principal, you’re putting your money where it belongs. With a lower interest rate, you’re assured that you’re allocating more money towards the principal and less toward the interest on the loan.

Others Factors

Whether you’re interested in trading some of your home equity for cash or looking to convert your ARM to a fixed rate, it’s helpful to understand the many reasons why someone would consider refinancing their mortgage.

Should I refinance?

Give us a call. One of our specialists will be happy to help you decide what's best for your current situation.


Let AFS show you how we've become such an honorable resource to everyone we service.


© 2016, Affordable Financial Services LTD , All Rights Reserved
These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Equal Housing Opportunity Lender
NMLS #27090 - One Huntington Quadrangle suite 1N09 Melville, NY 11747 Click for the Affordable Financial Services LTD NMLS access page.

One Huntington Quadrangle suite 1N09 Melville, NY 11747

Registered Mortgage Broker NY(208163), FL(MBR164), MD(17277), CT(19987), VA(MC-4881), MA(MB27090), GA(22763) Banking Department, PA, NJ Licensed by the N.J. Department of Banking and Insurance.

Affordable Financial Services will not make any mortgage loan commitments or fund any mortgage loans. All loans are provided by third-party lenders.

Toll Free: 1.888.500.0282