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Refinance your home & lower rate

Borrow up to 125% of your home's value

Lower your monthly payments

Pay off your mortgage faster

Get cash for just about anything

No Income Verification Loans

Adjustable or Fixed Rates

Consolidate your 1st & 2nd Mortgages into one Low Rate Mortgage

Jumbo mortgage loans up to 2 Million!

Adjustable-Rate Mortgages

Do you plan to move or refinance in a few years?

Adjustable-Rate Mortgages:

  • Assist borrowers in obtaining a larger loan amount. This is possible because qualifications are at the lower interest rate.
  • Save money in the early years. Lower initial interest rate than a traditional fixed-rate loan.
  • Have a variety of adjustment periods.

Best for people who:

  • Need extra borrowing power
  • Want to save money in the first few years
  • Plan to move or refinance in a few years
  • Are purchasing or refinancing at a time when interest rates are comparatively high

Adjustable-Rate Mortgages (also called ARMs) feature an interest rate that periodically adjusts with changing market rates. ARMs are available in government, conforming and jumbo loan amounts. The ARM allows you to take advantage of lower interest rates in a falling rate environment, and you'll benefit from lower monthly payments. The initial interest rate on an ARM is usually lower than the lifetime interest rate on a fixed-rate mortgage (FRM). ARM interest rates and the degree to which they fluctuate at the end of every adjustment period, are determined by:

Index: Published economic indices such as U.S. Treasury Securities or London Inter-Bank Offered Rate (LIBOR) that are used to direct the adjustment.

Margin: A fixed percentage (usually two to three percent) that is added to the index at each adjustment period

Rate Cap: Typically the maximum amount your rate can increase or decrease per adjustment period (2%) and over the life of the loan (6%). This protects you in case of volatile market swings.

Mortgage Rates are still at Historic Low Levels.
It's not too late to Refinance your Home & Cash Out.

Lock into a Lower rate Refinance Mortgage & Start Saving

Refinance Benefits

  • Pay off Debt with your mortgage
  • Combine your 1st & 2nd mortgage for 1 payment
  • Lower your Payments

Free Refinance Quote

Refinance Loan Options

  • 1 Year ARM Interest Only Mortgage
  • 3/1 ARM Interest Only Mortgage
  • 5/1 ARM Interest Only Mortgage
  • 7/1 ARM Interest Only Mortgage
  • 10/1 ARM Interest Only Mortgage
  • 30 year Interest Only Mortgage
  • Cash Out up to $500,000
  • 107% Refinance
  • 103% No Money Down Purchase
  • Jumbo Mortgages up to $3 Million
  • Debt Consolidation Refinancing
  • Bad Credit Refinance (BK & Charge-offs OK)


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