By Aryne + Dulcinea, April 21, 2020

Is now a good time to refinance? We asked the best in the biz!


Aaron Nawrocki with Capital M Lending is a master at his craft and we’ve been working with him since the inception of our business. Aaron can be reached at 503-445-9525, or email him at

Here is what Aaron has to say:

“I’d say just that if you’re paying over 4.25% in interest, it would be good to reach out to your lender of choice and have him/her run numbers to see what the monthly savings and one-time costs would be. It’s worth looking at for sure.”

Hillary Seiler with Umpqua Bank is our go to for ADU construction, new builds, and home remodels. She is very creative and will work hard for you. Hillary can be reached at 503-804-4460, or email her at

Here is what Hillary has to say:

“Now is a great time to look into your refinance options. The Federal Reserve has lowered their lending rate to banks which in turn lowered mortgage rates again! The rates range in the low to mid 3’s (changing daily). If you are interested in refinancing to lower your payment, cash-out on your existing equity to do a renovation, home project or simply pay down debt, now is a great time to look at your options and see what might work for you.”

Steph Noble with Guild Mortgage is beloved by many customers and real estate agents alike. She is a frequent speaker at real estate sales meetings and educates us on  mortgage market. Steph can be reached at (503) 528-9800, or email her

Here is what Steph has to say:

“I do think refinancing now is a great option. There are a couple of benefits depending on each situation.

A new 30 year fixed rate loan can reduce monthly payments and help any homeowners who want to ensure monthly obligations are as low as possible. Especially important if they forsee any changes to income or employment due to COVID19.

For homeowners without concerns related to income and employment I’m LOVING the 20 year loan. The rates on that have been about the same (and in some cases LOWER) than the 15 year loan. Most clients I’ve worked with have an increase in payment that is manageable and yet the interest savings are massive.

Lastly – refinancing now to get cash out for home improvements or to pay off other debt is another sweet spot for some clients. There are several peeps I’ve been working with who have projects in mind for after COVID19 restrictions are lifted. They are getting the funds they need now for their project since the rates are low.”

Want to find out more-reach out to the lenders above or give us a call today.

About Us:
Over the course of their professional partnership, Aryne + Dulcinea have helped over 200 clients prosper in their new lives. During this time, they have prided themselves in their top-notch selling abilities, with homes outperforming market standards, consistently exceeding list price while most of their listings sell in under 7 days. Whether you’re looking to buy or sell, Aryne & Dulcinea will work in collaboration to guide you in investing in your future and reaching your real estate goals.


Aryne + Dulcinea

Earth Advantage Principal Broker | Earth Advantage Broker | ADU Specialists | OR


Click here to get to know Aryne + Dulcinea!

Aryne + Dulcinea are full-service, high-producing agents, who understand how to navigate the unique challenges facing the Portland real estate market. The secret to their success is in their professionalism and complementary skill sets. In 2012, Aryne + Dulcinea saw an opportunity to combine their creative and technical wisdom to create a values-driven, full-service agency unlike any other. Expert negotiators and project management mavens with a strong background in creative marketing, Aryne + Dulcinea serve as fierce advocates for their clients. 

Their passion for real estate relates closely to their commitment to the Portland way of life, which entails a dedication to sustainability and appreciation for all things local. As Earth Advantage Brokers and ADU Certified Specialists, Aryne + Dulcinea are savvy in all aspects of alternative living practices—from versatile housing additions, green building practices, and revenue-generating strategies. Whether you’re looking to buy or sell, Aryne & Dulcinea will work in collaboration to guide you in investing in your future and reaching you real estate goals.

Aryne greets working with clients throughout Portland with open arms. Licensed since 2005, she appreciates the ever shifting desires her clients have as they move through their real estate goals. Investigative genius on her side, Aryne will strive to bring you the results you desire.  When not working for you, Aryne is a constant cheerleader for her son and daughter’s pursuits on the basketball court and on the ballet stage! She practices yoga, hikes, loves to walk and explore Portland neighborhoods, reads, and delights in soaking up everything Portland has to offer! 

Dulcinea thrives on working with clients with a range of real estate goals.  Oregon born, with a design and an award-winning professional background, Dulcinea is steadfast when it comes to working for her clients and has a keen eye for properties that best serve client objectives. Licensed since 2013, Dulcinea works in and around Portland.  A mother of two and wife to her high school sweetie—in her free time she stays busy with her family, travel, community activism, exploring the outdoors, curating art shows, and dreaming big!

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  • T: 503-380-5124
  • F: 503-961-8224

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