TJC Mortgage, Inc. dba MortgageRight (NMLS# 2239) is an approved lending institution. Interest rate, program terms, and conditions are subject to change based on borrower eligibility and market conditions. Certain restrictions and conditions will apply and not all applicants will qualify. Mortgage to be refinanced must be insured. Even though a lower interest rate can have a profound effect on monthly payments and potentially save you thousands of dollars per year, the results of such refinancing may result in higher total finance charges over the life of the loan.