Refinance – Mortgage Refinance, Home Refinancing
True Refinance Solutions for Homeowners

The 1-Refinance Company specializes in home refinance loans and has been extending cash out mortgage refinancing specials with the lowest rate refinance loans online since 1997. Our home refinance lenders provide rate and term 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 a loan refinance continues to be the driving forces 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. Home refinance opportunities remain robust, so take a moment and complete the form below so you can get a free refinance loan quote from the best refinance lenders online.

Refinance Loans Are Now Available with Fixed Rates Below 4%!

Refinance into a Low Rate Mortgage and Lock into a 30-Year Rate that is Guaranteed to be Fixed for the Life of the Loan.

Refinance Mortgage Rates Have Hit 40-Year Lows so don’t wait!

• Home Refinance
• Loan Refinance
• VA Refinance
• FHA Refinance
• Cash Out Refinancing
• Refinance Debt
• Bad Credit Refinancing
• Equity Refinance
• Streamline Refinance

Loan Type

Select One-----------> Mortgage Refinance Cash Out Refinance Home Equity/ 2nd Mortgage New Home Purchase

Property Type

Select One-----------> Single-Family Detached Condominium Cooperative Multi-Family Dwelling Modular Mobile Home (Moveable) Manufactured Home

Property Value

Select One-----------> 1st Time Buyer 70,000 - 80,000 80,000 - 90,000 90,000 - 100,000 100,000 - 110,000 110,000 - 120,000 120,000 - 130,000 130,000 - 140,000 140,000 - 150,000 150,000 - 160,000 160,000 - 170,000 170,000 - 180,000 180,000 - 190,000 190,000 - 200,000 200,000 - 210,000 210,000 - 220,000 220,000 - 230,000 230,000 - 240,000 240,000 - 250,000 250,000 - 260,000 260,000 - 270,000 270,000 - 280,000 280,000 - 290,000 290,000 - 300,000 300,000 - 310,000 310,000 - 320,000 320,000 - 330,000 330,000 - 340,000 340,000 - 350,000 350,000 - 360,000 360,000 - 370,000 370,000 - 380,000 380,000 - 390,000 390,000 - 400,000 400,000 - 410,000 410,000 - 420,000 420,000 - 430,000 430,000 - 440,000 440,000 - 450,000 450,000 - 460,000 460,000 - 470,000 470,000 - 480,000 480,000 - 490,000 490,000 - 500,000 500,000 - 510,000 510,000 - 520,000 520,000 - 530,000 530,000 - 540,000 540,000 - 550,000 550,000 - 560,000 560,000 - 570,000 570,000 - 580,000 580,000 - 590,000 590,000 - 600,000 600,000 - 610,000 610,000 - 620,000 620,000 - 630,000 630,000 - 640,000 640,000 - 650,000 650,000 - 660,000 660,000 - 670,000 670,000 - 680,000 680,000 - 690,000 690,000 - 700,000 700,000 - 710,000 710,000 - 720,000 720,000 - 730,000 730,000 - 740,000 740,000 - 750,000 750,000 - 760,000 760,000 - 770,000 770,000 - 780,000 780,000 - 790,000 790,000 - 800,000 800,000 - 810,000 810,000 - 820,000 820,000 - 830,000 830,000 - 840,000 840,000 - 850,000 850,000 - 860,000 860,000 - 870,000 870,000 - 880,000 880,000 - 890,000 890,000 - 900,000 900,000 - 910,000 910,000 - 920,000 920,000 - 930,000 930,000 - 940,000 940,000 - 950,000 950,000 - 960,000 960,000 - 970,000 970,000 - 980,000 980,000 - 990,000 990,000 - 1,000,000 1,000,000 - 1,010,000 1,010,000 - 1,020,000 1,020,000 - 1,030,000 1,030,000 - 1,040,000 1,040,000 - 1,050,000 1,050,000 - 1,060,000 1,060,000 - 1,070,000 1,070,000 - 1,080,000 1,080,000 - 1,090,000 1,090,000 - 1,100,000 1,100,000 - 1,110,000 1,110,000 - 1,120,000 1,120,000 - 1,130,000 1,130,000 - 1,140,000 1,140,000 - 1,150,000 1,150,000 - 1,160,000 1,160,000 - 1,170,000 1,170,000 - 1,180,000 1,180,000 - 1,190,000 1,190,000 - 1,200,000 1,200,000 - 1,210,000 1,210,000 - 1,220,000 1,220,000 - 1,230,000 1,230,000 - 1,240,000 1,240,000 - 1,250,000 1,250,000 - 1,260,000 1,260,000 - 1,270,000 1,270,000 - 1,280,000 1,280,000 - 1,290,000 1,290,000 - 1,300,000 1,300,000 - 1,310,000 1,310,000 - 1,320,000 1,320,000 - 1,330,000 1,330,000 - 1,340,000 1,340,000 - 1,350,000 1,350,000 - 1,360,000 1,360,000 - 1,370,000 1,370,000 - 1,380,000 1,380,000 - 1,390,000 1,390,000 - 1,400,000 1,400,000 - 1,410,000 1,410,000 - 1,420,000 1,420,000 - 1,430,000 1,430,000 - 1,440,000 1,440,000 - 1,450,000 1,450,000 - 1,460,000 1,460,000 - 1,470,000 1,470,000 - 1,480,000 1,480,000 - 1,490,000 1,490,000 - 1,500,000 Over 1,500,000

Loan Amount:

Select One-----------> 70,000 - 80,000 80,000 - 90,000 90,000 - 100,000 100,000 - 110,000 110,000 - 120,000 120,000 - 130,000 130,000 - 140,000 140,000 - 150,000 150,000 - 160,000 160,000 - 170,000 170,000 - 180,000 180,000 - 190,000 190,000 - 200,000 200,000 - 210,000 210,000 - 220,000 220,000 - 230,000 230,000 - 240,000 240,000 - 250,000 250,000 - 260,000 260,000 - 270,000 270,000 - 280,000 280,000 - 290,000 290,000 - 300,000 300,000 - 310,000 310,000 - 320,000 320,000 - 330,000 330,000 - 340,000 340,000 - 350,000 350,000 - 360,000 360,000 - 370,000 370,000 - 380,000 380,000 - 390,000 390,000 - 400,000 400,000 - 410,000 410,000 - 420,000 420,000 - 430,000 430,000 - 440,000 440,000 - 450,000 450,000 - 460,000 460,000 - 470,000 470,000 - 480,000 480,000 - 490,000 490,000 - 500,000 500,000 - 510,000 510,000 - 520,000 520,000 - 530,000 530,000 - 540,000 540,000 - 550,000 550,000 - 560,000 560,000 - 570,000 570,000 - 580,000 580,000 - 590,000 590,000 - 600,000 600,000 - 610,000 610,000 - 620,000 620,000 - 630,000 630,000 - 640,000 640,000 - 650,000 650,000 - 660,000 660,000 - 670,000 670,000 - 680,000 680,000 - 690,000 690,000 - 700,000 700,000 - 710,000 710,000 - 720,000 720,000 - 730,000 730,000 - 740,000 740,000 - 750,000 750,000 - 760,000 760,000 - 770,000 770,000 - 780,000 780,000 - 790,000 790,000 - 800,000 800,000 - 810,000 810,000 - 820,000 820,000 - 830,000 830,000 - 840,000 840,000 - 850,000 850,000 - 860,000 860,000 - 870,000 870,000 - 880,000 880,000 - 890,000 890,000 - 900,000 900,000 - 910,000 910,000 - 920,000 920,000 - 930,000 930,000 - 940,000 940,000 - 950,000 950,000 - 960,000 960,000 - 970,000 970,000 - 980,000 980,000 - 990,000 990,000 - 1,000,000 1,000,000 - 1,010,000 1,010,000 - 1,020,000 1,020,000 - 1,030,000 1,030,000 - 1,040,000 1,040,000 - 1,050,000 1,050,000 - 1,060,000 1,060,000 - 1,070,000 1,070,000 - 1,080,000 1,080,000 - 1,090,000 1,090,000 - 1,100,000 1,100,000 - 1,110,000 1,110,000 - 1,120,000 1,120,000 - 1,130,000 1,130,000 - 1,140,000 1,140,000 - 1,150,000 1,150,000 - 1,160,000 1,160,000 - 1,170,000 1,170,000 - 1,180,000 1,180,000 - 1,190,000 1,190,000 - 1,200,000 1,200,000 - 1,210,000 1,210,000 - 1,220,000 1,220,000 - 1,230,000 1,230,000 - 1,240,000 1,240,000 - 1,250,000 1,250,000 - 1,260,000 1,260,000 - 1,270,000 1,270,000 - 1,280,000 1,280,000 - 1,290,000 1,290,000 - 1,300,000 1,300,000 - 1,310,000 1,310,000 - 1,320,000 1,320,000 - 1,330,000 1,330,000 - 1,340,000 1,340,000 - 1,350,000 1,350,000 - 1,360,000 1,360,000 - 1,370,000 1,370,000 - 1,380,000 1,380,000 - 1,390,000 1,390,000 - 1,400,000 1,400,000 - 1,410,000 1,410,000 - 1,420,000 1,420,000 - 1,430,000 1,430,000 - 1,440,000 1,440,000 - 1,450,000 1,450,000 - 1,460,000 1,460,000 - 1,470,000 1,470,000 - 1,480,000 1,480,000 - 1,490,000 1,490,000 - 1,500,000 Over 1,500,000

Credit Rating

Select One-----------> Excellent Good Fair Poor

Compare refinance lenders that help consumers with all types of home refinancing. Now you can refinance your 1st mortgage to 100% with VA home refinancing and loans from 80 to 100% depending upon your credit scores. Discover monthly savings with fixed rate refinancing. Free online application.

VA Refinances - FHA Refinancing - Government Home Refinance

1-Refinance provides an advanced loan pricing engine for the following loan types: refinance, home equity, FHA 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. Refinance your home today and uncover all of the financial benefits!

Owning a home can get costly over the years. If your cash flow fluctuates from month to month, we recommend refinancing with an interest only loan, because it offers more flexibility each month with only the minimum interest due. This keep the payment low and you can always pay more towards the principal when you have extra cash.

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!

Ask About Our No Closing Cost Refinance Loan Option!

Want to buy a home or refinance, but looking for a new way to afford more homes 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 Loan Modifications Managing Your Credit Mortgage Refinance

30 or 40 Year Fixed Rate Refinance

The thirty year refinancing is still the most popular term, but the forty year loan is gaining momentum. The 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%.
• Bad Credit Refinancing available after BK

Minimum Loan Amount: $50,000

Maximum Loan Amounts: $2,500,000 in California, 1,500,000 Arizona, Colorado, Florida, Georgia, Michigan, Maryland, Massachusetts, 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 Loan No Closing Cost Refinance
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.