Rates

New Purchase

Tired of paying rent? Are you ready to make that big step to finally become a home owner? Whatever situation you’re in, now is the best time for you to buy a new home.

Rates are at the lowest they have been in years. Take advantage of the current market conditions and find the best rate possible for your new home loan. Get approved today! Get pre-qualified for free and quickly find out how much you can borrow and afford.

Lenders will help you find the best rates with the right loan terms customized to your personal preferences and needs. We provide free customized new purchase loan quotes from competing lenders.

Refinance

Refinancing a mortgage means paying off an existing loan and replacing it with a new one (Securing a Lower Interest Rate, Shortening the Loan’s Term or Converting between Adjustable-Rate and Fixed-Rate Mortgages).

Because refinancing can cost between 3% and 6% of the loan’s principal and – like taking out the original mortgage – requires appraisal, title search and application fees, it’s important for a homeowner to determine whether his or her reason for refinancing offers true benefit. One of the best reasons to refinance is to lower the interest rate on your existing loan.

Historically, the rule of thumb was that it was worth the money to refinance if you could reduce your interest rate by at least 2%. Today, many lenders say 1% savings is enough incentive to refinance.

Debt Consolidation

Most people have more than one debt. You may have high interest credit cards, loans and mortgages. To pay off one debt you may need to borrow from someone else, creating yet another debt.

The solution to this problem is debt consolidation. If you own a home, you can get a debt consolidation home equity loan.

With a debt consolidation loan you will have to consolidate each of your high interest credit cards, as well as your consumer loans, into one inexpensive and affordable monthly payment with low interest.

Modification

A Loan Modification is a permanent change in one or more of the terms of a mortgagor’s loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford.

Commercial

A mortgage secured by real estate and in which the real estate is used for business purposes.

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