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Mortgage Refinance

Fixed Rate Refinancing - Negative Amortization Mortgage - Interest Only

Mortgage Loan Outlet offers consumers mortgage refinance options with discounted interest rates for home refinancing with fixed rates, interest only, negative amortization loans and home equity loans online. When considering one option loan versus another lenders option ARM, look at the margin and the fully indexed interest rate. Remember that the initial interest rate holds only for the initial month or three months at the most.

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  • Jumbo Fixed and ARMs - featuring our very sharply priced W-series 30 yr fixed and our High LTV Arms with no add-ons for the most popular features
  • Conforming Fixed Rates - for a 730+ score. Now 15 day price shown with no state adjustments
  • Stated Income Conforming Fixed - Many options including a SISA option at 680 with no add- ons for 730 fico scores
  • Pay Option Arms - maximum payment flexibility including 5 year fixed term
  • Construction / Permanent Home Financing - well suited for the jumbo borrower using future appraised value
  • Second Mortgages - two well priced program options based on your loan features
  • Flexible Home Equity Loans -These 2nd mortgages fit most loan scenarios and has a interest only option as well.

Don't wait another day to realize your dream of homeownership, or to refinance your home to consolidate debts, make improvements, or fund large purchases - like that dream vacation to Europe! Get a Free Loan Quoteon a specialized mortgage refinance loan from Mortgage Loan Outlet! If your credit is bad and you have little equity available in your home, consider an FHA home refinance loan that offers a very low fixed interest rate on 30 year term mortgages.

Interest rates can't stay this low for much longer, and you don't want to miss the era of historically low rates forever. Whether you want to purchase your dream home or refinance for savings, Mortgage Loan Outlet wants to help you find the right lending package for your family's needs. Get a Free Loan Quote today on a mortgage refinance loan, and start saving money tomorrow! Securing a great rate now could be one of the best financial decisions that you've ever made. At Mortgage Loan Outlet, we realize the importance of feeling comfortable with your lending program, and we want to make sure that it is as efficient and rewarding as possible. Apply for a mortgage refinance package today, and start on your way to realizing your financial dreams!

Mortgage Refinance FYI

If you are considering refinancing your home, there are several factors you should think about before making your decision. These factors include the interest rate on your current mortgage, the current market interest rate, how long you plan to live in your current home, and whether or not you need money for other things (such as home improvement, a new car loan, or paying off credit cards).

Things to consider before refinancing:

1) The Interest Rate You Are Paying
Consider the interest rate you are now paying before refinancing. Compare it against the current interest rate to see how much you would save by mortgage refinancing. Use our free mortgage calculator to determine your new monthly payments.

2) The Current Interest Rate
Check the current interest rate. To get the benefits of a lower rate, you may have to pay fees associated with the loan, unless your lender is doing a no fee loan. Before committing to a refinance, be sure you have discussed the fee options with your loan officer.

3) How Long You Will Live In Your Home
The median length of stay in a home is 8.2 years. However, you may have a better idea of how long you will be in your home. If you do not plan on owning your home for much longer, the lower payments associated with the refinancing may not cover the mortgage refinancing fees. If you plan on staying in your home for a long period of time, refinancing could be an excellent way to reduce your monthly payments. Also, if you are planning on moving into a new home while retaining the old home as a rental property, refinancing is a solid plan. You can lower your monthly mortgage payment and in turn, increase your rental income.

4) Consolidation
If you have several outstanding bills, you may want to consider refinancing your home and in turn, consolidating and paying off your other debts. If you have equity in your home, you may be able to access that equity through a "cash out" refinance. You could choose to apply that equity to a debt consolidation plan, a new car, or home improvements.

Are Negative Amortization Loans Risky Mortgage Options?
Some mortgage insiders consider negative amortization mortgages to be risky loans. With a deferred interest loan, the borrower gets to pick what type of payment they want each month. Homeowners can select one of three payment options.

  1. Fixed rate principal and interest payment
  2. Interest only payment
  3. Negative amortization with a lower start rate have one part

If the borrower selects the negative amortization payment then it only covers a portion of the interest earned. The balance of the interest earned is added to the mortgage balance, hence the term negative mortgage. The negative amortization is also called a “neg am” loan is a loan with an deferred interest loan that offers a low payment initially. A danger is the loan balance exceeding the market value of the property. If you aren't prepared for the deferred interest that could affect your home equity, then this loan is not for you. If you understand the risks, but need a low monthly payment to help you get in the right home, then this loan is for you.

Freddie Mac's weekly survey of mortgage rates released Thursday showed that rates on 30-year, fixed rate mortgages averaged 4 percent for the week ending November 6th.

For most of 2011, rates on benchmark 30-year mortgages averaged 4.25% percent, second only to last year's 4.125 percent, the lowest annual rate in Freddie Mac's record keeping.

Take out a Home Improvement loan and make those cosmetic changes that you've been talking about. In most cases, making home improvements increases the value of your property. Home Improvement Loans!

"No Income Verified" Debt Relief Programs - Is your income difficult to prove? We have debt consolidation mortgage loans that do not require the standard income documentation. (like W2's)

Do you have Less-than-perfect credit? - We specialize in debt consolidation loans even if your credit is in "the rebuilding phase".

Bankruptcy or Foreclosure - Even if you've had a bankruptcy, or foreclosure in the past, we will do our best to get you qualified for a debt consolidation loan.

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