Refinance

Refinancing offers a number of potential benefits that can make your life easier!

Lowering your monthly payment
Decreasing your interest rate
Getting cash out from your home equity
Pay off high interest debt

Potential Benefits of Refinancing

Why not make your life easier? The ultimate benefit of refinancing is often achieving a lower interest rate, which can save you thousands over the life of the loan. While short-term savings are always a good thing, it’s important to remember that refinancing can potentially do much more for you— like putting that extra money in your pocket now, and save you money for years to come.

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Pay off those high interest Credit Cards

Lower your interest rate &/or monthly payment

Make those necessary overdue home repairs and/or upgrades

Don’t wait to find out if you are eligible for a better plan for the future.

Unlock potential savings and lower your monthly mortgage payments with our refinancing options. Discover how much you could save and streamline your finances by using our user-friendly mortgage refinancing and debt consolidation calculator. See if refinancing is the smart choice for your financial future today!

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Ponce Bank

We invest in local folks. We invest in your neighborhoods.

#1 Nationwide

National Community Investment Fund rated us #1 for lending in low to moderate income communities among Community Development Financial Institutions (CDFI).¹

60+ years of service

We have served the New York City Metro Area for more than 60 years.

80% of loans

We invest more than 80% of our assets in low to moderate income neighborhoods.

Couple meeting with Mortgage Loan Originator

Let's Talk.

Our highly qualified and professional Mortgage Loan Originators will help you identify loan products and individually tailored financing options and services to help you realize your dream of real estate ownership and development.

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The road to homeownership begins with education.

Unlock the keys to your dream home with advice and insider tips from our mortgage blog. Whether you're a first-time buyer or seasoned investor, our comprehensive guides may empower you to make informed decisions. Dive in now and navigate the path to homeownership with confidence!

Sep 3, 2024

The Community Bank Advantage

The Advantages of Choosing a Community Bank for Your Mortgage Pre-Qualification

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Aug 14, 2024

The 4 C’s of Qualifying for a Mortgage

Understand the four core components, the Four C’s, that lender will evaluate in determining whether you are eligible for a loan: Capacity, Capital, Collateral & Credit

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Aug 8, 2024

Why should you attend a First-Time Homebuyer Webinar at Ponce Bank?

Purchasing your first home is a significant milestone, often filled with both excitement and apprehension. The journey from dreaming about your first home to holding the keys can be complex, especially if you're unfamiliar with the process. Mortgage World Bankers a division of Ponce Bank understands these challenges and is dedicated to helping you navigate them with ease. Our First-Time Homebuyer Webinar is designed to equip you with the knowledge and confidence needed to make informed decisions and achieve your dream of homeownership.

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¹ Rated # 1 in DLI – HMDA lending activities in LMI tracts in Deposits by National Community Investment
Fund’s June 2022 Report.
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All loans are subject to credit approval. Not all applicants will qualify. Information is subject to change with no prior notice. While multilingual representatives or loan officers are available, all loan disclosures and documents will be in English. You should seek translation assistance from a trusted third party if needed.