Loan Officer | Refinance Specialist
Stephanie Mills
NMLS not issued · 11 years in lending
Refinance and equity strategy - she finds the savings other lenders leave on the table.
I would rather lose a refinance today than a referral for life.
Stephanie runs our refinance desk, and her spreadsheet is famous: every client gets a break-even analysis that shows, to the month, when a refinance starts paying for itself. If the numbers do not work, she will tell you to keep the loan you have - and clients remember that honesty when rates finally move.
She started her career in financial planning, which still shows in how she frames every decision around the whole household budget rather than a single monthly payment.
Stephanie is bilingual and leads our Spanish-language homebuyer workshops each quarter at the Hillsdale library.
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
