1st Refinance
 
The 1 Refinance Company was established to create a virtual marketplace where homeowner can find the latest and greatest home refinance loans, regardless of their credit score or equity situation.

Eliminate high interest credit cards with low rate home refinancing opportunities available with the most respected source for refinance loans online.

VA Refinance
FHA Refinance
Loan Refinance
Refinance Mortgage
Home Refinance


Refinance Loans
Complete this Form and 2-3 Lenders Benefit from Multiple Refinancing Quotes. Companies are competing to Find You the Best Refinance Loan Online.



Refinance your home and benefit for a lower interest rate.

- Lower your monthly payments with a house refinance.

- Pay off your mortgage faster

- Great Time to Lock in Home Refinance Rates

- No Income Verification Loans

Choose from Adjustable or Fixed Rate Refinance Loans for All Credit




Refinance 1st & 2nd Mortgages into one Low Rate Refinance.
Jumbo mortgage loans up to 2 Million!

Negotiate Loan Closing Costs - Borrowers can save hundreds, if not thousands by negotiating the closing costs up front.

Manufactured Homes Loan Financing - These are very popular pre-fabricated homes. They are already built in a factory, but for some reason, they have been difficult to finance until recently. Ask about our manufactured home refinancing rates.
Predatory Lending Concerns: Does this loan benefit you? - Our government wants to make sure that lenders aren’t taking advantage of you like refinancing with no significant benefit.  Sometimes consumers get home loans without considering the risks. FHA Home Loan Refinance
A Home Equity Line of Credit - Opportunities - The Fed continues to raise home equity interest rates, so people who have a HELOC need to convert to a fixed interest loans.  
FHA Streamline Refinance If you have a FHA mortgage you can do a streamline refinance that costs less and closes quicker than traditional refinance loans.

30 or 40-yr Fixed Rate Mortgage
100% Interest Only Mortgage
103% No Money Down Purchase
Payment Choice Refi

Refinance Loan Tips
More Low Rate ARM's
Fixed Rate ARM: 2, 3, 5, 7 or 10 year periods.
- Interest Only Options
- Lower Payments
Popular Mortgage Refinance Loans
Conventional Mortgage Limit Increases to $417,000– Fannie Mae and Freddie Mac increase in housing values, mortgage financiers sharply raised the dividing line between conforming and more-expensive jumbo mortgages.
Sub Prime Lending Options – If you are being denied financing options, because you had some problems in the past, then give 1-Refinance.com a shot at processing your next mortgage loan.
Activity for mortgage refinance applications began to slow in 2013 with rates inching up. We anticipate more refinance programs being released soon.
VA renews commitment for no equity refinance options with 100% VA Mortgage Loans!

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 Refinance
- Adjustable Rate Mortgage Refinance
- Interest Only Refinance
- Second Mortgage Refinance
- Stated Income Refinance
- No Closing Cost Refinance

Lead Planet Offers Internet Mortgage Leads

How the new Home Affordable Refinance Program, AKA HARP 2.0 different than original program that was rolled out in 2009? There are a few important changes between the 1st and 2nd HARP programs. The HARP 2.0 enables homeowners who are presently paying insurance on their home loan to qualify for a refinance. This opens up the HARP program to a much larger group of homeowners.

Perhaps most important, the new originator is relieved of responsibility for anything that happened on the first loan. "They are only responsible for any new fraud that occurs. So in the HARP lenders will be more willing to extend help to underwater borrowers." Read the CBS article.

Refinance Loans - Mortgage Refinance, Home Refinancing

While most loan companies try and do it all, we specialize in home refinance loans and have been extending cash out mortgage refinancing specials with the lowest rates 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
Property Type
Property Value
Loan Amount:
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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. If you need help finding the perfect refinance loan for your situation, contact our loan officers or complete an application online.

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. Many self-employed consumers need access to loan programs that enable limited income documentation.

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

   
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  Mortgage Basics -
Understanding Refinance
Basics of Refinance
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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
  • Deferred Interest 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 Tips for a 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.

Refinancing with collections or judgments being reported on your credit report can make qualifying difficult. There are loan companies that specialize in subprime money products. Read More on Bad Credit Home Loans.

1 Refinance Company Provides Helpful Home Refinancing Tips

Are you interested in learning more about home refinancing with FHA? You can 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. Refinance now why interest rates are at record-lows.


VA Home Refinance Loans are offered to Veterans for 100% mortgage refinancing that includes a fixed rate and no mortgage insurance.

Refinance and get a $300,000 Mortgage for $1,469 a month

Homeowners want to lower their rate, refinance & consolidate debts for a fixed payment!


- Blended Credit Scores can help you qualify for more loan Options

- Non-Owner Occupied Refinance Loans Allowed

- 100% Refinancing for 1st time Home Buyers, Cash Out or Rate and Term

All loan programs are subject to borrower qualification; refinance program limitations, & lending underwriting guidelines.

Cash Refinancing

Refinance your adjustable rate equity line for a lower Rate 2nd Mortgage.

Learn more about reduced rate home equity mortgages: Many people save money when refinancing unsecured debt into a fixed rate second mortgage that often passes along tax deductibility incentives to qualified homeowners.

90% Stated on Purchases or Rate and Term Refinance

No Income No Asset Loans : Purchase or Rate and Term Refinancing

Cash Out Loan Amounts Up To $2,000,000!

All refinance loan programs are subject to borrower qualification; refinance program limitations, & lending underwriting guidelines.


90% Second Home 600 credit score: No PMI Refinance Loan.

Refinance for a Lower rate and get a more options with cash back, bill consolidation and money for repairing your home.

Quick Home Refinance Closings!


Home refinance loans allow you to pay-off your high interest credit card debts for a lower Rate 2nd Mortgage. Enjoy saving hundreds every month and no equity is required.

Top Refinance Blogs

Government Refinance - The FHA has opened up many new programs to help homeowners find more affordable mortgage payments. They updated you on FHA rates and new refinance loan programs.
Bad Credit Mortgage Refinancing with FHA
No Cost Refinance Loans are available to qualified applicants from most of our refinance lenders!  Save money with no closing costs and low rate refinancing.

Home Equity Refinance
Eliminate the variable interest rates of your equity line of credit with a fixed rate refinance loan.

Freddie Mac reported that California Mortgage Rates dip below 3% on fifteen year terms.

Tips for Mortgage Refinance Insured by FHA

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.

Will Refinancing for Cash Come Back? Refinancing volume declines too record level. This fact seems strange because mortgage refinance rates are at all-time lows, so one would think cash out refinance activity volumes would be soaring. Over the last few years home refinance guidelines have tightened significantly. Millions of borrowers do not qualify for cash out refinancing.

Hard Money Mortgage Refinance - People that have fico scores under 500 or have the inability to document their income at all should consider private money alternatives for home refinancing.

Fannie Mae Refinance Loans to 125% - Government finance companies, Fannie Mae and Freddie Mac announced new refinance programs that allow borrowers to refinance their first mortgage from 105 to 125%.  Homeowners must have 1st mortgage liens that are backed by Fannie Mae or Freddie Mac.  This program does not allow cash out refinancing.

More Refinance Loan Pages
Why Refinance? | Getting Started with Refinance | How to Refinance | Should I Refinance? | No Cost Refinance | Second Mortgage Refinances | Debt Consolidation | FHA Streamline Refinance | Refinance Loans | Jumbo Mortgage | Home Equity Refinance | Fixed Rate Mortgage | Poor Credit Refinance | Adjustable Rate Mortgage | Interest Only Refinance | House Refinance | Stated Income Refinance Loans | VA Refinance | FHA Refinance | Loan Refinance | Home Refinance | Refinance Debt | Refinance Credit | Refinance Rate | Refinance Equity | Streamline Refinance | Refinance Mortgage

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