Get a Free, Easy Mortgage Quote – Give us a Call At 888-848-1433

Or, fill out our Free 30 Second Mortgage Quote Request

No Obligation – We’re not going to require an upfront deposit or fee for our free mortgage quotes!

No SSN Required - We don’t need your personal information just to show you how great our rates are!

No Info Sold - We won’t sell your information like most of those other mortgage sites out there!

If you are considering a refinance of your loan in order to obtain a lower interest rate and/or start saving on your monthly payments, you have several options of loan products, while still having the security of fixed monthly payments. 10, 15, and 20-Year Fixed-Rate Refinances are great if you want a shorter loan life and lower rates, if low monthly payments are not a priority, and/or  you’re planning to stay in your house for more than 10 years – especially if you’re planning to completely pay off your loan. 25 and 30-Year Fixed-Rate Refinances are a great option if you want low monthly payments that do not change, uou want a loan which is generally easier to qualify for, and you’re planning to remain in your house less than 10 years; and/or you want the maximum tax advantage (please consult your tax adviser). When refinancing, other options to consider include No-Closing Cost Option loan programs, which allow you to refinance with few upfront fees. While the rate is slightly higher, you will pay fewer upfront fees to obtain your loan. You may also opt to Finance the Closing Costs in to Your Loan: This option allows you to increase the loan amount to cover the transaction costs and not have to spend money “out-of pocket”. Additionally, there is availability for a Cash-Out Option. If the equity in your property qualifies, you may refinance with a loan amount greater than your current mortgage – and keep the difference! Use it for home improvement, debt consolidation, or whatever you wish.

Lining up your Home Purchase Loan is one of the most important first steps in the Home Buying process. Before starting your home search, it is important to understand the total costs involved in buying a home, and additional monthly costs that can affect your overall mortgage payment. If you are limited in cash resources, it might make sense to find the mortgage programs with the lowest required down payment. Negotiating to have your closing costs paid by the seller is another way some home buyers save upfront costs. Even if you do have the down payment, it is sometimes possible to get a credit from the seller, often up to 3 percent of the purchase price, towards your closing costs – enabling you to buy down your mortgage rate and enjoy a lower payment, or increase your purchasing power by making a bigger loan more affordable.