refinance, refinances, REFI, REFINANCE


Good Credit or Credit Problems

Refinance Your Existing Home and take advantage of:
  • Lower interest rates resulting in lower monthly payments.
  • Consolidate high interest rate, 2nd liens, home improvement and/or swimming pool loans or credit card balances into one lower interest rate mortgage and better terms.
Contract for Deed/Owner Financed/Lease Purchase
     properties can be refinanced and you receive these benefits:
  • Deed and Note in your name, not the Sellers.
    Reduces your risk of losing property and accrued equity.

    Reduces your interest rate and monthly payment in many cases.

    Current appraised value - not purchase price is used to 
    calculate LTV ratios.

Cash-Out Re-Finance: 
 Homestead law's have changed and now allow homeowners  to take advantage of their home equity by refinancing your existing  home to put their  cash equity to use. You can take this equity and spend it on whatever you choose:   children's education; pay  off debts; your dream vacation; boat or a new car.   Most states now allow loans up to 125% of your homes appraised value.
There may be substantial income tax advantages.      Please get professional tax advice.

Refinancing your home loan can be a good idea for homeowners who:

* want to get out of a high interest rate loan to take advantage of
lower rates. This is a good idea only if they intend to stay in the
house long enough to make the additional fees worthwhile.

* have an adjustable-rate mortgage (ARM) and want a fixed-rate loan
to have the certainty of knowing exactly what the mortgage payment
will be for the life of the loan.

* want to convert to an ARM with a lower interest rate or more
protective features (such as a better rate and payment caps) than
the ARM they currently have.

* want to build up equity more quickly by converting to a loan with a
shorter term.

* want to draw on the equity built up in their house to get cash for
a major purchase or for their children's education.

 Secure Application

Use our SECURE ONLINE APPLICATION or You can also download an application to be filled out at your home and faxed or mailed to our office for approval.

Mortgage Loan Application




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" Refinancing - Home Improvement - Home Equity Loans - Debt Consolidation - Purchase "
Fannie Mae - Freddie Mac - FHA -VA - Conventional - Jumbo Loans

Equal Housing Lender.