Analyze Your Savings			Refinance Considerations
		Consider Other Mortgage Programs			Refinance Costs
		Deciding to Refinance			Refinance Once, Twice
		Get Some Cash			Trade your ARM For A Fixed Rate
		Paying Points For A Lower Rate			Your Personal Taxes

Serving St. Cloud and surrounding areas
in Central and Northern Minnesota.

22 Third Avenue South
Cold Spring, Minnesota 56320
Phone: 1-320-685-7773
Toll Free: 1-866-843-0473
Fax: 320-685-7744
Email: mortgages@colmtg.com