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Home Refinance
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There are several reasons people refinance their home other than preventing a foreclosure. Home refinancing is a great option for people looking to get money for home improvements, to consolidate debt from high interest credit cards or to switch from an ARM to a fixed-rate mortgage. You can join millions in Americans who have benefited from a home refinance.
Start by comparing offers now!

Facing Foreclosure?
With the downfall of teaser rates and fallout of subprime loans, Americans are finding that they simply can’t afford their mortgage payment and fear losing their home. Planning ahead with a home refinance can decrease your fears and increase the chance your family can keep your home. Find out how a mortgage refinance can help prevent your pending foreclosure.

Home Improvements Hanging Over Your Head?
Whether it is several pesky improvements that have mounted up over time or one big room makeover that carries a lot of expense, refinancing your home can help you get available funds now to make the home improvements your family needs. See what home refinance specialists recommend regarding refinancing your home for available cash for home improvements, college tuition or other life necessities.

Is Debt Dragging You Down?
Are your credit card and other bills becoming unbearable? With high interest rates and limited income, many Americans face an uphill battle with monthly bills. Credit counselors have recommended consolidating debt to others who face your situation. With a home refinance, you will save money as your monthly bills will decrease. Start saving today by refinancing your home!

Rising Rates Out of Control?
Many home owners with an ARM, or an Adjustable Rate Mortgage, are discovering that rising rates are no longer maintainable. Home owners that refinance their home and adjust to a Fixed Rate benefit from the knowledge and planning a predictable payment brings. Find out how a predictable, fixed rate home mortgage refinance can benefit you and your family today!

 

*About Our Advertised Rates

Fixed Interest Rates
- Our advertised fixed interest rates are based on a 15-year fixed-rate loan with a loan-to-value ratio of less than 80% and are current as of Mar 8th, 2010. The Annual Percentage Rates (APRs) of the loans will be slightly higher.
-Loans may carry closing costs and/or origination points. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, property location, type of property, and other factors. We arrange but do not make loans.

Adjustable Interest Rates and Advertised Payment Terms
-Our advertised adjustable interest rates are based on a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term and are current as of Mar 10th, 2010.
-For a $200,000 loan, the initial interest rate is 3.500% for 5 years with 1.625 discount points due at closing. There is a 3.44% APR with an initial monthly principal and interest payment of $898 for the first 5 years. After a period of 5 years, the potential interest rate is estimated at 3.125% with an estimated monthly payment of $863.
-An Adjustable Rate Mortgage (ARM) is a mortgage with an adjustable rate that is amortized over 30 years.
-Your interest rate is fixed for the first 3, 5, or 7 years of the loan repayment period, depending on the type of ARM you have.
-After the initial fixed-rate period, the interest rate could adjust every 12 months, depending on the product and the financial markets.
-Interest rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. In other words, if your initial interest rate is 4.5%, your rate will never be higher than 9.5%, and never rise more than 2% per year.
-Actual mortgage payment will vary based on your situation and the current interest rate when you apply.
-Not all consumers will be matched to a lender that is able to supply the advertised rates.
- Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
-The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
-May not be available in all states.
-Available rates and payment terms are subject to change daily without notice.
-Payment amounts shown do not include taxes or insurance.
-The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.

 

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