Refinancing

After months of consideration, Caroline wanted to refinance. After some initial research online, she quickly became overwhelmed by the flood of social media ads promising "no-cost" and "free refinancing." It seemed too good to be true—how could such a major financial transaction be free? Skeptical but uncertain, she turned to her neighbor for advice, who recommended Jim Yarrington at First State Bank.

From their first conversation, Jim provided clarity. He explained that there’s no such thing as a truly free refinance—costs are either paid upfront or rolled into the loan through lender credits, which result in a higher interest rate. Caroline quickly realized how easily misleading marketing tactics could fool borrowers into making uninformed decisions.

Jim’s personable approach & his ability to tailor a solution to Caroline’s needs set him apart from the crowd . Instead of a one-size-fits-all proposal, he introduced a hybrid option that balanced the current market rates with her need for improved cash flow. This allowed her to lower her monthly payments while maintaining the quality of her loan.

With Jim’s guidance, what once felt confusing became an empowering financial decision. Caroline secured a refinance that saved her money and strengthened her financial future—without falling for flashy gimmicks.