Refinance lenders provide low rate refinancing with 100% VA refinance loans, cash out, FHA, conventional mortgages & jumbo loans for loan consolidation & rate and term fixed rate refinancing. Mortgage rates remain low, but with inflation rising, expect the Federal Reserve chairman to revert back to his style of raising rates to help protect the dollar. Even in the new millennium, refinance loans continue to be the driving force in our economy for consumer to access cash. It is no coincidence that when cash out refinancing applications are down that consumer spending is reduced as well.

Our refinance lenders will help consumers with all types of home refinancing. Now you can refinance your 1st mortgage to 100% with VA refinancing and 2nd loans from 90 to 100% depending upon your credit scores. Discover monthly savings with fixed rate refinancing. Free online application.

1-Refinance provides an advanced loan pricing engine for the following loan types: refinance, home equity, FHA mortgage loans, mortgage refinancing, debt consolidation, jumbo loans and bad credit refinancing.

Refinancing your house can provide you with the cash you need.  Find out how you can get tax free cash today. If you need low monthly payment, then refinance with an interest only mortgage, but request a fixed rate conversion prior to the rate reaching the adjustable period.

Is your income difficult or impossible to verify, keeping you from buying your dream home or refinancing higher rates? Don't let your lack of Income Verification documentation keep you from attaining the loan that you need. We can help you find a No Income Verification loan, and these loans assist borrowers obtain mortgage financing when their income or assets are difficult to verify.

There's no time like the present to pay down high-interest debts, make home improvements, or finance education or dream vacations!  Interest rates are still low and we can help you navigate through the lending process, even if your income is hard to document.

At 1 Refinance, our first priority is to help our customers find the ideal loan program for their individual needs.  We are dedicated to making sure that your lending experience is as efficient and enjoyable as possible.  Don't let a lack of income verification stand in your way, let us help you realize your financial dreams today!

Want to buy a home or refinance, but looking for a new way to afford more home for less money? An interest only mortgage may be the best thing for you!  A traditional mortgage payment is divided between interest and principal, but with an interest only mortgage, your payment is lower because you're not paying the principal portion.  With the lower monthly payments an interest only mortgage affords you it could be possible to pay down high interest debts or furnish your new home.

Interest rates are still at historic lows, and We can help you decide if an Interest Only Refinance is the right option for your needs. 

Get a Free, no-obligation quote today

Refinance Your Mortgage & Reduce Your Monthly Payments APPLY ONLINE		Mortgage Basics - Understanding Refinance Basics of Refinance Payment Calculator Glossary of terms		Loan Resources Managing Your Debt Managing Your Credit

40 Year Fixed Rate

40 year fixed rate loan is fixed amortized loan with principal and interest payments the last 30 years. The payments are amortized over 40 years for the first 10 years. The loan rate is fixed for the first 2 years and adjusts beginning the 25th month and every 6 months for the remainder of the 10 years. After the first 10 years, the loan enters the re-payment period on a 20-year amortization schedule for the remaining 20-year period. The entire mortgage loan period is 30 years. Max LTV: 95%, MAX CLTV: 100%

Minimum Credit Score:
525 fico credit score and Full Documentation with Owner Occupied Residency
580 fico credit score Owner-Occupied for Stated Income and 2nd Home Residents

Stated Income Documentation Requirements

• Stated Income shown on 1003 for Self Employed Borrowers
• Stated Wage Earners with credit scores of 550 or greater.
• The scores of the Primary Borrower will be used based on middle of 3

Bankruptcy Guidelines:

• Chapter 13 dates are from the date of filing.
• Chapter 13 must be discharged or paid in full with court approved closing.
• Maximum LTV paying off open BK is 90%.

Minimum Loan Amount: $50,000

Maximum Loan Amounts: $2,500,000 in California, 1,500,000 Arizona, Colorado, Florida, Georgia, Michigan, Maryland, Massachusettes, Virginia, Washington, $1,300,000 all other states $1,000,000 Condo, Townhome and Attached Planned Urban Developments

Competitive Mortgage Refinance Loans from 1-Refinance.com
Fixed Rate Mortgage Loans Cash Out Refinance Loans Debt Consolidation Refinance Non-Prime Refinance Equity Loan Refinance Jumbo Home Loans	Adjustable Rate Mortgage Refinance Interest Only Mortgage Refinance 1.25% Negative Amortization Loans Second Mortgage Refinance Stated Income Home Loans Home Purchase Mortgage
Refinance for Lower Payments with Cash Out Options	Reasons to Refinance 1. Consolidate Revolving Debt 2. Refinance Adjustable Interest Rate Loans with a Fixed Rate Mortgage 3. Roll your first & second mortgage together for one payment 4. Lower interest rates can save you money 5. Get access to cash when refinancing 6. Refinancing Debt can help increase credit score

FHA Loan Tips for Mortgage Refinance and Home Purchase

The Federal Housing Administration (FHA) was created by Congress in 1934. FHA guarantees loans in order to assist lower and middle income consumers as well as the first time home owner. These government home loans generally have a low down payment requirement and less stringent requirements for income and credit scores. There is also the possibility for stated income loans. FHA home mortgages were developed to support people who otherwise have difficulty qualifying for a loan. Individual lenders set interest rates and repayment periods, however, not the government. FHA simply insures these loans to lower the risk to the lender. Since FHA protects lenders against losses, the lenders are generally willing to create loans with easier qualifications.

The three percent down payment is about to change on FHA loans as well. Zero down home loans may be available through FHA by October. FHA borrowers will have to pay more upfront and in their monthly mortgage payments, but the program will allow those with no way to raise the money for a down payment to get into their first home. See full FHA Refinance article.

1-Refinance.com Refinance Loan Tips
Bad Credit Home Refinance with FHA. Forget about your credit score with FHA refinancing. The Housing of Urban Development has released some great home refinancing initiatives for all credit types.	In this kind of real estate market always refinance with a fixed interest rate mortgage because the odds are good that adjustable rates will rise significantly.

2006 Single-Family maximum original loan amounts Source - Freddie Mac and Fannie Mae
Property Type	2006 Loan Limit (Except for AK, HI,)	2006 Loan Limit AK, HI
1-unit	$417,000	$625,500
2-unit	$533,850	$800,775
3-unit	$645,300	$967,950
4-unit	$801,950	$1,202,925