--- title: The Mortgage Statement Blog | Arkansas Mortgage | How do I refinance description: How do I refinance | Bank of Little Rock Mortgage's blog on everything from home loans to refinancing --- [![Bank Of Little Rock Mortgage](https://blog.blrmortgage.com/hs-fs/hubfs/images/logo-1.png?width=730&height=217&name=logo-1.png "Bank Of Little Rock Mortgage")](http://www.blrmortgage.com/) # The Mortgage Statement ## [Reasons to Refinance Before Summer](https://blog.blrmortgage.com/blog/bid/295833/Reasons-to-Refinance-Before-Summer) Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Mon, Jun 03, 2013 @ 11:31 AM - [Tweet](https://twitter.com/share) Wondering when the best time is to refinance your home?  There are many factors to consider when deciding if refinancing is best for you.  Whether it’s the time of year or the stage of your home ownership, refinancing could be beneficial.  I joined THV11’s Tom Brannon to talk about why you should consider refinancing your home before this summer season. [Read More](https://blog.blrmortgage.com/blog/bid/295833/Reasons-to-Refinance-Before-Summer) 4 Comments [Click here to read/write comments](https://blog.blrmortgage.com/blog/bid/295833/Reasons-to-Refinance-Before-Summer#comments-listing) Tags: [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance), [refinance your home](https://blog.blrmortgage.com/blog/topic/refinance-your-home) ## [Monday Mortgage Memo: January 14, 2013](https://blog.blrmortgage.com/blog/bid/259720/Monday-Mortgage-Memo-January-14-2013) Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Wed, Jan 16, 2013 @ 04:48 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg) ](https://blog.blrmortgage.com/blog/bid/259720/Monday-Mortgage-Memo-January-14-2013) Our mortgage rates are continuing to remain stable through the month of January, even with the national averages rising. Be sure you get the best rate you can while our rates are still low.   [Read More](https://blog.blrmortgage.com/blog/bid/259720/Monday-Mortgage-Memo-January-14-2013) 0 Comments [Click here to read/write comments](https://blog.blrmortgage.com/blog/bid/259720/Monday-Mortgage-Memo-January-14-2013#comments-listing) Tags: [mortgage rates](https://blog.blrmortgage.com/blog/topic/mortgage-rates), [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance) ## [Monday Mortgage Memo: December 10, 2012](https://blog.blrmortgage.com/blog/bid/252896/Monday-Mortgage-Memo-December-10-2012) Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Mon, Dec 17, 2012 @ 02:16 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg) ](https://blog.blrmortgage.com/blog/bid/252896/Monday-Mortgage-Memo-December-10-2012) Rates are still at the same low level as they were last week, so they are standing firm at their historic-low records.  If you are considering a refinance, it is important to first calculate how much money a refinance would cost you and how much the refi could save you. Here is a [great article from GoBankingRates.com](http://www.gobankingrates.com/mortgage-rates/how-to-calculate-how-much-refinance-rates-save-mortgage-loan/) that guide you through the calculating process. And feel free to use our easy [Arkansas Mortgage Calculators](http://www.blrmortgage.com/simple-mortgage-calculators/) to help with the math.  Bank of Little Rock Mortgage is also rolling out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We call it [The Mortgage Statement](https://blog.blrmortgage.com/blog).   Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy way for you to [get prequalified for a mortgage online.](http://www.blrmortgage.com/get-preapproved-for-a-home-loan/) If you have any questions, comments or concerns, we would love to hear from you. Just [contact our Arkansas Mortgage Lenders](http://www.blrmortgage.com/contact-us/) and let us know what you need.  Happy Monday, Scott McElmurry President & CEO of Bank of Little Rock Mortgage NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our [Today's Rates](http://www.blrmortgage.com/what-are-todays-mortgage-rates/) page.   [Read More](https://blog.blrmortgage.com/blog/bid/252896/Monday-Mortgage-Memo-December-10-2012) 0 Comments [Click here to read/write comments](https://blog.blrmortgage.com/blog/bid/252896/Monday-Mortgage-Memo-December-10-2012#comments-listing) Tags: [mortgage rates](https://blog.blrmortgage.com/blog/topic/mortgage-rates), [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance), [first-time home buyer](https://blog.blrmortgage.com/blog/topic/first-time-home-buyer) ## [Monday Mortgage Memo: December 3, 2012](https://blog.blrmortgage.com/blog/bid/248443/Monday-Mortgage-Memo-December-3-2012) Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Mon, Dec 03, 2012 @ 04:45 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg) ](https://blog.blrmortgage.com/blog/bid/248443/Monday-Mortgage-Memo-December-3-2012) It's the first week of December and our low mortgage rates are still looking strong. While the national average for rates rose slightly in the last week, our rates remain unchanged. Let's hope they stay that way for a good bit longer.  If you are getting ready to refinance, make sure to read [this article from Yahoo! Homes](http://homes.yahoo.com/blogs/spaces/refinancing-avoid-five-blunders-173620701.html). It covers the five basic blunders anyone is liable to make when going through the refi process. We always encourage our applicants to research as much as they can before making decisions with their money. After all, knowledge is power when it comes to your finances. To help you research, we have a whole [Free Resources](http://www.blrmortgage.com/index.php?fuseaction=p0004.&mod=27) library to help get you started. And of course, feel free to contact any of our [Arkansas mortgage lenders](http://www.blrmortgage.com/central-arkansas-loan-officers/) if you have any questions.   Bank of Little Rock Mortgage is also rolling out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We call it[The Mortgage Statement](https://blog.blrmortgage.com/blog).   Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy online prequalification process you can access below.  [![Prequalify Online Here](https://no-cache.hubspot.com/cta/default/168390/c6aa7374-16c3-4b65-91a2-3a542de1293c.png)](https://cta-redirect.hubspot.com/cta/redirect/168390/c6aa7374-16c3-4b65-91a2-3a542de1293c) If you have any questions, comments or concerns, we would love to hear from you. Just [contact us](http://www.blrmortgage.com/contact-us/) and let us know what you need. For more information on [Arkansas mortgage rates](http://www.blrmortgage.com/what-are-todays-mortgage-rates/) and [Arkansas mortgage lenders](http://www.blrmortgage.com/central-arkansas-loan-officers/), check out our website.  Happy Monday, Scott McElmurry President & CEO of Bank of Little Rock Mortgage NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our [Today's Rates](http://www.blrmortgage.com/what-are-todays-mortgage-rates/) page.   [Read More](https://blog.blrmortgage.com/blog/bid/248443/Monday-Mortgage-Memo-December-3-2012) 1 Comment [Click here to read/write comments](https://blog.blrmortgage.com/blog/bid/248443/Monday-Mortgage-Memo-December-3-2012#comments-listing) Tags: [mortgage rates](https://blog.blrmortgage.com/blog/topic/mortgage-rates), [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance), [first-time home buying](https://blog.blrmortgage.com/blog/topic/first-time-home-buying) ## [Monday Mortgage Memo: November 12, 2012](https://blog.blrmortgage.com/blog/bid/243190/Monday-Mortgage-Memo-November-12-2012) Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Tue, Nov 13, 2012 @ 02:21 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg) ](https://blog.blrmortgage.com/blog/bid/243190/Monday-Mortgage-Memo-November-12-2012) [Read More](https://blog.blrmortgage.com/blog/bid/243190/Monday-Mortgage-Memo-November-12-2012) 0 Comments [Click here to read/write comments](https://blog.blrmortgage.com/blog/bid/243190/Monday-Mortgage-Memo-November-12-2012#comments-listing) Tags: [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance), [first-time home buyer](https://blog.blrmortgage.com/blog/topic/first-time-home-buyer), [choose a mortgage](https://blog.blrmortgage.com/blog/topic/choose-a-mortgage) ## [Is Now the Right Time For Refinancing Your Home?](https://blog.blrmortgage.com/blog/bid/205280/Is-Now-the-Right-Time-For-Refinancing-Your-Home) Posted by [Scott McElmurry](https://blog.blrmortgage.com/blog/author/scott-mcelmurry) on Thu, Aug 16, 2012 @ 10:14 AM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hs-fs/file-18406589-jpg/images/istock_000018421588xsmall.jpg) ](https://blog.blrmortgage.com/blog/bid/205280/Is-Now-the-Right-Time-For-Refinancing-Your-Home) With mortgage rates at an all-time low, now may be a great time for a mortgage refinance. By refinancing your home, you might find a better interest rate or get out of an upwardly adjustable rate loan. And mortgage rates may stay low, because the Federal government wants to keep money flowing to try to stimulate the economy.  How long is, of course, not guaranteed. [Read More](https://blog.blrmortgage.com/blog/bid/205280/Is-Now-the-Right-Time-For-Refinancing-Your-Home) 0 Comments [Click here to read/write comments](https://blog.blrmortgage.com/blog/bid/205280/Is-Now-the-Right-Time-For-Refinancing-Your-Home#comments-listing) Tags: [How do I refinance](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance), [what is exactly is a mortgage refinance](https://blog.blrmortgage.com/blog/topic/what-is-exactly-is-a-mortgage-refinance) [All Posts](https://blog.blrmortgage.com/blog/all) ### Subscribe Email ### Latest Posts ### Posts by category - [choose a mortgage (10)](https://blog.blrmortgage.com/blog/topic/choose-a-mortgage) - [Closing (1)](https://blog.blrmortgage.com/blog/topic/closing) - [credit score (1)](https://blog.blrmortgage.com/blog/topic/credit-score) - [Current mortgage rates (6)](https://blog.blrmortgage.com/blog/topic/current-mortgage-rates) - [first-time home buyer (5)](https://blog.blrmortgage.com/blog/topic/first-time-home-buyer) - [first-time home buying (6)](https://blog.blrmortgage.com/blog/topic/first-time-home-buying) - [Get pre-qualified online (1)](https://blog.blrmortgage.com/blog/topic/get-pre-qualified-online) - [Get preapproved online (2)](https://blog.blrmortgage.com/blog/topic/get-preapproved-online) - [Get prequalified online (3)](https://blog.blrmortgage.com/blog/topic/get-prequalified-online) - [how do I calculate my credit score (1)](https://blog.blrmortgage.com/blog/topic/how-do-i-calculate-my-credit-score) - [How do I refinance (6)](https://blog.blrmortgage.com/blog/topic/how-do-i-refinance) - [How to buy a home (7)](https://blog.blrmortgage.com/blog/topic/how-to-buy-a-home) - [mortgage insurance (2)](https://blog.blrmortgage.com/blog/topic/mortgage-insurance) - [Mortgage payment (5)](https://blog.blrmortgage.com/blog/topic/mortgage-payment) - [mortgage rates (6)](https://blog.blrmortgage.com/blog/topic/mortgage-rates) - [preapproval (1)](https://blog.blrmortgage.com/blog/topic/preapproval) - [prequalification (1)](https://blog.blrmortgage.com/blog/topic/prequalification) - [refinance your home (1)](https://blog.blrmortgage.com/blog/topic/refinance-your-home) - [Rent vs. Buy (1)](https://blog.blrmortgage.com/blog/topic/rent-vs-buy) - [what is a credit score (1)](https://blog.blrmortgage.com/blog/topic/what-is-a-credit-score) - [what is exactly is a mortgage refinance (1)](https://blog.blrmortgage.com/blog/topic/what-is-exactly-is-a-mortgage-refinance) - [what is involved in buying a home (2)](https://blog.blrmortgage.com/blog/topic/what-is-involved-in-buying-a-home) ### Follow Me © 2015 [Privacy/Legal](https://blrmortgage.hs-sites.com/blog) [Site Map](https://blrmortgage.hs-sites.com/blog)