The David Greene Show Mortgage Monday | Refinance Options | Episode 96
12 snips
Nov 10, 2025 
Christian Bachelder, a seasoned mortgage professional, shares valuable insights on refinancing in the current housing market. He explains the surge in refinance applications while home sales remain stagnant. Discover strategies like cash-out refinances and loan recasting to maximize equity and accelerate mortgage payoff. Christian also discusses the impact of falling rates and offers creative hacks for homeowners to optimize their financial situations. Tune in for expert tips that could save you money and accelerate your path to financial freedom!
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Refinance If Your Rate Is Above 7.5%
- Call Christian if your mortgage rate is above 7.5% (primary residence above 7% he said) to explore refinancing options.
- He claims current rates in the low sixes can
Rate-Term Vs Cash-Out Explained
- Rate-term refinances replace your loan with the same principal and typically lower rate or different term.
- Cash-out refinances increase your loan to pull equity but usually carry slightly higher rates.
Two-Step Cash-Out Then Rate-Term Hack
- Do a cash-out refinance now and schedule a no-cost rate-term refi six months later to get equity and then lower your rate.
- Christian says lenders can balance closing costs so you effectively pay for one combined strategy.
