Mortgage Refinance Lenders offer wholesale home loans to applicants searching for fixed rate refinancing, interest only and FHA refinance loans online. Shop lenders that provide refinance solutions to borrowers with all types of credit. Consider lender offers for a mortgage with bad credit for people with less than stellar credit that are looking to lower the monthly payment with a low rate refinance mortgage.
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Mortgage Refinance Loans

Fixed Mortgage Refinancing – Fixed Rate, ARMs and Interest Only

Welcome to the, where mortgage lenders offer wholesale interest rates to homeowners through the Prime Lending Network, where applicants can find mortgage refinance loans, fixed refinancing, bill consolidation and equity mortgages online. With the Federal Reserve extending his commitment for low interest rates through 2013, you better believe that a fixed mortgage refinance will continue to be affordable

Refinance with a Low Rate FHA Home Loan that Allows Bad Credit!

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Refinance Once Then Do It Again- When rates fall steadily, mortgage refinancing with no closing costs may make sense even if you have done so once already. Bob and Michelle Barbo of Kirkland, WA refinanced twice within three months in 2008. In October, they trimmed the rate on their 30-year fixed mortgage by a full point -- from 6.13% to 5.125% -- for a monthly savings of $63. Plus, because home prices in their area had boosted their home equity, they were able to stop paying private mortgage insurance that cost them $120 a month.

To exploit continued decline in rates, the Barbos mortage refinanced again in December. Their new 30-year fixed mortgage is at 7.375%, lopping another $55 off their monthly bill. Since the couple had chosen a no cost refinancing each time, their total out of pocket expenses came to just $400 in appraisal fees. So by the time you read this, they will already have recouped their up-front costs. "Now we can use the savings to build up a cash emergency fund," says Bob.

If you are considering a second mortgage refinance, don't overlook this potential tax write off: When you pay points to refinance, you must deduct the amount over the life of the loan, usually 30 years. But when you refinance a second time, all of the points that have not yet been deducted from the first refinancing can be written off in a lump sum. Say you refinanced to a 30-year mortgage in 1993 and paid $3,000 in points. By now, you would have written off roughly $500. If you refinance again this year, you could deduct the remaining $2,500 on your 1998 tax return. For a homeowner in the 28% tax bracket, that works out to a savings of $700 -- enough to offset some or all of your costs this time around.

Qualifying your borrowers is easier than ever. With only 3 trade lines required, homebuyers can now get a wide range of home financing options.

  • Must have a two-year credit history
  • Trade lines can be open or closed
  • No minimum high credit limit amount*
  • No recent activity required
  • No seasoning on discharged bankruptcy

First for easy home loan solutions

Benefits of Mortgage Refinance Loans

  • Record Low Rates for Cash Refinancing
  • Lower Rates can Save You Money
  • Interest Only Loans offer Lower Payments
  • Tax Deductible Cash Out Equity Lines

Program Highlights

  • Cash Out Loans
  • 100% Financing Available
  • 1st Time Homebuyers OK
  • Poor Credit
  • No Verification Income Loans
  • Self Employed Borrowers OK
  • Interest Only Loan Options

How to find the best Mortgage Refinance Loans

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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 3.625 percent for the week ending November 6th.

For most of 2013, rates on benchmark 30-year mortgages averaged 3.75% percent, second only to last year's 3.625 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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This website cannot approve loans online & this is not an advertisement for credit defined by paragraph 226.24 of Regulation Z. MLO does not make refinance mortgages or negative amortization loans. See lending affiliates for details, pricing and eligibility.
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