Mortgage and refinancing for residential and commercial properties in Connecticut, Floirida, New Jersey and New York states.

If you’ve decided to refinance your mortgage –– or are curious to determine if and how refinancing could benefit you –– we invite you to contact Silver Fin Capital today and to speak with one of our experianced licensed mortgage loan originators.

At Silver Fin Capital, we’ve helped thousands of homeowners secure the right loan for refinancing their home. In the process, we’ve helped them reduce their mortgage payments, shorten their mortgage term, or tap the equity in their home to make improvements or pay off higher-interest debt.

We’re able to find the best mortgage loan for your refinancing situation thanks to our proprietary database of over 50 lenders each of whom has dozens of programs to choose from.

While there are other reasons, here are the top six that motivate homeowners to pick up the phone to learn about refinancing and to find out if it’s right for them.


Why refinance?

  • Lower your monthly payments –– One of the most immediate benefits of refinancing is that monthly payments are lower than before refinancing, often by hundreds of dollars. That puts more cash in your pocket and provides you with cash-in-hand to use for other family priorities.
  • Lower your interest rate –– Interest rates are low. Some 30-year mortgages are hovering around 3.0 percent and 15-year loans even less. If your current interest rate is higher, it makes sense to investigate what benefits you could gain by refinancing. There’s no charge for us to help you analyze your situation and make specific recommendations.
  • Lower the term of your loan –– If you have a 30-year mortgage, now may be a great time to consider refinancing. With record low interest rates, you may find that a 15-year mortgage is not much more expensive than the 30-year loan payment you have been making. Contact us today for a quick analysis of your situation and the viability of making this happen for you.
  • Move from an adjustable-rate to a fixed-rate mortgage –– If you currently have an adjustable-rate mortgage, now may be the perfect time to refinance into a fixed-rate loan. Interest rates are low now, but anything can happen at any time. Locking into a low fixed rate now can protect you from rising interest rates in coming years. This also puts an end to unnecessary worries about how high your adjustable rate could go!
  • Tap into the equity in your home for home improvement projects –– It’s not necessary to wait until you sell your home to reap the rewards of the equity you’ve built throughout the years. Refinancing now allows you to tap into the equity in your home and use that equity for projects to improve your home, add to your enjoyment of your home while you’re living in it, and enhance its value when the time comes to sell.
  • Tap into the equity in your home for other purposes –– In the same way refinancing helps you tap into the equity in your home for home improvement projects, that equity can be used for any number of purposes such as starting a business, buying rental property, or taking a six-month sabbatical.

The first step is to see if you qualify

The Home Affordable Refinance Program (HARP) has loosened requirements for traditional refinancing. According to, your loan must meet several requirements in order to qualify:

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.

The good news is that you don’t need to become an expert at all of this

We’re happy to help you determine if your mortgage is owned by Freddie Mac or Fannie Mae and if you qualify.

And most importantly, we’re pleased to help you determine if refinancing is right for you and your specific situation.

The other first step is to see if refinancing is right for you

You’ll definitely want to do your homework before making a decision to refinance now or wait. At Silver Fin Capital, our licensed mortgage loan originators are well experienced with refinancing, will share all the pros and cons with you and, if it’s right for you, guide you through the entire process.

We invite you to contact one of our team members directly through their direct phone numbers and email addresses.

Or, if you prefer, call our main switchboard at 516-466-2930 between the hours of 9:00 a.m. and 6:00 p.m. Eastern Time. One of our friendly staff members will be pleased to direct you to a licensed mortgage loan originator who can educate you thoroughly and walk you step-by-step through the refinancing process.

Ready to request a quote? We make it easy. Click the blue button to the right.

Call us today
to determine
if refinancing
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Silver Fin Capital makes refinancing easier


Treat you as an individual

Find the right mortgage to suit your particular circumstance

Be there when you need us, including evenings and weekends.

Take care of the details so that you can focus on packing and moving

Schedule your mortgage closing at a time and place of your choosing

  Simplify and streamline the process from start to finish


The Silver Fin Capital total-satisfaction pledge:

LendingTree Certified Lender
LendingTree President's Club
Better Business Bureau A+ logo Equal Housing Lender logo
LendingTree Top Ten awards for Silver Fin Capital.
Making Home logo Fannie Mae logo Freddie Mac logo
Silver Fin Capital mortgage brokers, regularly rated in the TOP TEN each quarter by LendingTree.

Silver Fin Capital Group LLC

11 Grace Avenue, Suite 408,
Great Neck, NY 11021

NMLS ID: 12147

State of Connecticut: Department of Banking, Licensed Mortgage Broker Number 17302; State of Florida: Office of Financial Regulation, Mortgage Broker License MBR572; State of New Jersey: Department of Banking & Insurance, Residential Mortgage Broker License 0805907; State of Pennsylvania: Department of Banking & Securities, Licensed Mortgage Broker, License 98635; State of New York: Department of Financial Services, (Institution A006520). New York Mortgage Broker Registration 208842.

Loans are provided by third-party lenders and are subject to credit and lender approval. Mortgage brokers are not empowered to make mortgage loans. We seek out the best loan program for your specific situation from our extensive network of wholesale lenders. Lenders pay our fees. In most cases there is no cost to you for services provided by Silver Fin Capital. Copyright © 2014-2022 Silver Fin Capital.  Site design and maintenance by