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Is It A Good Time To Refinance My Home?

• Will refinancing save me money?
• Will refinancing get me closer to my long-term financial goals?
• Will refinancing allow me to accomplish something I may not be able to do otherwise?

If you're able to answer "yes" to at least one of these questions, then refinancing might be a viable option for you.

Save money: Refinancing to a lower rate can save you thousands of dollars over the life of your loan. Just make sure you're planning to stay in your home long enough to recoup the cost of refinancing.

Long-Term Goals: Refinancing from a 30-year to a 15-year mortgage as you approach retirement is a good idea if you can afford the higher payment.

Accomplishment: Maybe you want to pay off your other debts, help a child through college or start a business. Refinancing to take cash out of your house can help you towards these goals. This is only an option if you have enough equity available. You should also plan to stay in your home long enough to rebuild the equity you take out.

You can use a mortgage calculator to work out different scenarios as you contemplate refinancing. There are several on our Web site, or you can also use:

• www.calculators4mortgages.com
• www.mortgage101.com/refinance-calculator
• www.fool.com/calcs/calculators.htm

When you are ready, let us walk you through the process. Contact our mortgage specialist, Jennifer McNamee, at 614.239.0210 or 800.986.3876, ext. 3026 or at jmcnamee@columbusmetro.org.

Spread the Word, Share the Wealth

At Columbus Metro, we believe the highest compliment you can pay us is to recommend us to someone else. Now you can earn up to $50 each time you do, thanks to our new referral program.

You can refer almost anyone, as long as they live, work, worship or attend school in Franklin County. And there's no limit on the number of people you can refer. The more referrals you make, the more you can earn!

You'll earn $25 if your referral opens a qualifying checking account and $25 if they finance an auto loan with us. That's up to $50 per referral. What's more, your referral will earn the same amount.

It's easy to cash in. Simply complete our referral form and give it to a friend, neighbor, family member or co-worker. Have them bring the form to any of our branches to open a new account. After the account's been open 60 days, we'll review it and pay out the cash!

For complete details, stop in any of our offices or go to www.columbusmetro.org/referralform.pdf.

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