Mortgage Refinancing

Qualify to LOWER your monthly mortgage payments!

You’ve probably heard about the attractive financial benefits of refinancing your mortgage. But the process might seem confusing and intimidating. Exactly WHEN should you refinance? What should you expect? What benefits might you enjoy?

Refinancing can reduce your monthly payment and help you save money. But that’s not all! There are many reasons to refinance your mortgage, so it’s important to understand your options and how they can help you reach your goal.

  • Lower your interest rate
  • Reduce your monthly mortgage payment
  • Pay off your mortgage sooner by refinancing to a shorter term
  • Take cash out to pay off other debt or improve your home

At Kennebec Federal Savings, we’re always here with the neighborly, professional guidance you need.  We’ll clearly explain whether refinancing will save you money … lower your payment … and/or allow you to pay off your loan sooner.  You’ll get  information you need—without pressure or hassles.


If you decide to move forward, our mortgage professionals will work with you throughout the process, keeping you fully informed, answering your questions, and explaining your options. You’ll feel secure knowing KFS provides:

  • Approval in minutes, not days
  • Reduced paperwork
  • No application fee
  • Option to lock your interest rate at application
  • Competitive interest rates
  • Local decisions
  • Local servicing

We also offer attractive financing options for seasonal homes and camps, land, and investment property. Contact a KFS lender to discuss your options.

Preliminary Information Needed for Your Mortgage Application

  • Employer(s) name, address, and phone number for the past 2 years
  • W-2’s for the past 2 years
  • Pay stubs covering wages for the most recent 30-day period
  • Last 2 statements for all deposit accounts—checking, savings, investment, IRA, etc.
  • If you are self-employed, your last 2 years signed and dated personal and business tax returns (if applicable) with all schedules attached


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