Refinancing Steps Explained: How to Prepare for Lower Rates in 2025
In this episode of The Texas Real Estate & Finance Podcast, we break down the Refinancing Steps Explained, a vital guide for anyone planning to save when mortgage rates drop again. Rates are high now, but they won’t stay that way forever! Learn the five key refinancing steps—from assessing your financial situation to closing on your loan. We also explore the effects of rising rates, declining U.S. birth rates on future housing demand, and whether Texas remains affordable in 2024. Stay ahead of t
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About the Host
Michael Mills
Mortgage Banker
Mike Mills is an accomplished Area Manager with Geneva Financial in Mansfield, TX. With 15+ years of mortgage expertise, he specializes in empowering clients through real estate education and wealth creation. Mike and his team prioritize clear and consistent communication, ensuring a smooth journey from Pre-Approval to Closing and beyond.
Before entering the mortgage industry, Mike had a diverse background that uniquely positions him to relate to clients from all walks of life. He successfully owned two restaurants in the DFW area, demonstrating his entrepreneurial spirit and business acumen. His experience as a merchandise buyer for Radio Shack further honed his skills in strategic decision-making and customer service.
Mike's adventurous spirit led him to explore the world while working for Royal Caribbean cruise lines, allowing him to gain valuable insights into different cultures and perspectives. These diverse experiences have shaped his ability to create the best path to homeownership for all his customers.
In addition to his managerial roles at Verity Mortgage, Mike is also the host of the Texas Real Estate & Finance Podcast. Through this platform, he engages with local Realtors, Investors, Marketing Experts, CPA's, General Contractors, and other professionals. The podcast serves as a valuable resource for real estate agents in Texas looking to expand their industry knowledge. Mike's interviews with industry experts and weekly Real Estate Market updates keep his audience informed about the current issues and trends in th… Read More