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WE SAY
"YES" WHEN OTHERS
SAY "NO"
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Good Credit or
Credit Problems
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| Refinance: |
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Refinance Your Existing Home and take advantage of: |
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Lower interest rates resulting
in lower monthly payments.
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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.
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Contract for Deed/Owner Financed/Lease Purchase
properties
can be refinanced and you receive these benefits: |
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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.
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| 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.
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There may be substantial
income tax advantages.
Please get professional tax advice.
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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.
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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.
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