Does refinancing make sense for you?

**Whether you’re looking to lower your monthly mortgage payment, switch to a fixed rate, or even get cash out to finance a major expense, we have the mortgage refinance information you need.

With a mortgage refinance you can:

• Get cash out

• Consolidate your debt

• Improve your rate and terms

• Eliminate private mortgage insurance (PMI)

• Switch rate terms (from adjustable to fixed)

If you are experiencing payment difficulties, don’t wait. At Malibu Funding, Inc. we can work together to help keep you in your home.

**By refinancing the consumer’s existing loan, the consumer total finance charges may be higher over the life of the loan.