Refinance

Refinancing can be a powerful financial tool—when done for the right reasons and at the right time. 

Make Your Mortgage Work Better for You

Refinancing can be a powerful financial tool—when done for the right reasons and at the right time. Whether your goal is to lower your payment, access equity, or restructure your loan, refinancing should support your bigger financial picture.

I help homeowners evaluate refinancing options thoughtfully and strategically, so decisions are made with clarity—not pressure.

Refinancing can help you secure a lower interest rate, reduce monthly payments, or access your home’s equity. If rates have dropped since you last financed, it may be the perfect time to refinance. Other common reasons include:

Paying off a balloon payment
Accessing cash equity for home improvements, education, or debt consolidation
Converting an adjustable-rate loan to a fixed-rate loan
Accessing home equity for major expenses
24/7 Support: (404)277-0816

Benefits Of Refinance

An alternative to refinancing is a home equity loan, which allows you to tap into your home’s equity without refinancing—ideal if you have a low interest rate on your current mortgage or a prepayment penalty.

1

Lower Your Interest Rate

2

Cash Out Equity for Home Improvements

3

Consolidate Debt

4

Reduce Monthly Payments

Requirements

What You’ll Need to Refinance:

📌Current Home Appraisal & Financial Analysis

📌 Verification of Assets & Income.

Collaborate with Me!

Call Consulting: (404)277-0816
Email: charisse@charisseexcell.com

    Help center
    Got a Question? Get your Answer.

    Quick answers to questions you may have. Can’t find what you’re looking for? Get in touch with us.

    1. What services do you offer?
    I specialize in mortgage loan origination, home purchases, refinancing, mortgage consulting, and divorce mortgage planning. I provide personalized guidance to help you make informed financial decisions.
    2. How can you help with divorce-related mortgages?
    As a Certified Divorce Lending Professional (CDLP®), I guide clients through the complexities of mortgage financing during divorce, ensuring decisions protect your financial future and comply with marital settlement agreements.
    3. Do I need to be a first-time homebuyer to work with you?
    Not at all! I work with first-time buyers, repeat buyers, refinancers, and real estate investors—anyone looking for expert mortgage guidance.
    4. How do I get started?
    Simply schedule a free consultation. We’ll discuss your goals, review your options, and create a personalized mortgage plan tailored to your situation.
    x

    Welcome! I’m Charrise Excell, your trusted mortgage advisor and Certified Divorce Lending Professional (CDLP®). Whether you’re buying, refinancing, or navigating a life transition, I provide clear, personalized guidance to help you make confident financial decisions.

    Licenses
    NMLS: 2003422
    Home Access Mortgage NMLS 149980
    Licensed in Georgia and Alabama
    Get In Touch
    Call: (404)277-0816
    Email: charisse@charisseexcell.com
    Working Time
    Mon - Friday: 8.00am - 18.00pm
    Holiday : Closed