Before entering the mortgage industry, Shane spent 10 years as a CPA where he developed a passion for providing tax and financial advice to better the lives of his clients and small businesses. As a lender, this goal is the same. He strives to offer the same guidance to homeowners on reaching their goals. When not behind a computer, you can find him in the gym or in the mountains.
Shane is licensed in the state of Tennessee.
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.