Skip to main content. Skip to contact links. Skip to navigation. If you wish for the loan officer to reach out to you, click to skip to their contact form. If you have questions for this loan officer, click to call them. If you need loan servicing, click to call our loan servicing department at 855-979-1084 Skip to footer navigation.
James Gay Headshot

James Gay

Branch Leader | Senior Loan Officer
Movement Mortgage
NMLS ID # 412223

Movement Blog

blog-image-nov-25

November 12, 2025

When Does Refinancing Make Sense If Rates Are Higher?

Most people think about refinancing only when rates drop. But refinancing isn’t just a reaction to market trends. It can also be a strategic tool to help you meet specific financial goals, regardless of where rates are today.Even if your...

Press Enter to Search
James Gay Headshot
James Gay
Branch Leader | Senior Loan Officer
Ready to learn more or get started? Complete the form and let’s connect.
4210 Columbia Rd Ste 17-A, Martinez, GA 30907
(opens in a new tab)
NMLS # 412223

State License #AL-89357, FL-LO120328, GA-412223, NC-I-217968, SC-BFI-MLO - 412223, TN-412223, TX-SML, VA-MLO-77496VA