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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!

Debt Consolidation Loans

Start saving money instantly by consolidating all of your debts into one easy low payment loan. Your monthly savings can be cut more than in half!! Get back in control of your debt. Our debt consolidation loan programs require very little equity! Bill consolidation is now available with 1st mortgage refinancing.

Bill Consolidation

Unfortunately one hundred and twenty five percent loans were put on hold because of the mounting foreclosures from equity loans. If your mortgages are greater than the value of your home, we recommend a loan modification that provides lower mortgage rates without refinancing. If you have too much credit card debt to consolidate with a refinance loan, consider debt settlement that typically cuts your debt in half and helps you avoid a bankruptcy.

Borrowers who need to get money in their hands are getting it with cash out refinance loans rather than through 2nd mortgages. FHA home loans provide cash refinancing to 95%. Homeowners can use this government loan to consolidate debts or pay off revolving credit cards. If you apply, this loan will combine all of your debts into one lump sum with you mortgage. Most borrowers choose the 30 year fixed rate mortgage.

Consolidation Benefits:

  • One Low Monthly Payment
  • Reduced Interest Rates
  • Increased Savings


Interest rates are higher than home equity loans and refinancing. You also may not be able to deduct the total loan amount with a 125% LTV. In most cases the only thing that you can deduct is the value of the home.

Contact your agent for more details.

High LTV refinancing is ideal for owner's that have little to no equity in their home. See FHA Refinancing and Home Equity for more options.


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
  • Convert Adjustable Rates to Fixed Rate Loans
  • Combine your 1st & 2nd mortgage for 1 payment
  • Lower your Payments

Free Refinance Quote

Refinance Loan Options

  • 30 year Fixed Rate Refinance
  • 15 year Fixed Rate Refinance
  • 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)

Apply Now

Competitive Mortgage Refinance Loans

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
Negative Amortization Loans
Second Mortgage Refinance
Stated Income Home Loans
Home Purchase Mortgage

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


Refinance your adjustable rate equity line for a lower Rate 2nd Mortgage. Get a $50,000 home equity loan for $319 a month

Reduced rate home equity loans: Refinance debts & get a low rate second mortgage. Click Here

Refinance and get a Fixed Rate $200,000 Mortgage for $1,099 a month

Fix your rate, refinance & Consolidate debts for a Fixed Payment Click Here

Low Credit Scores OK
We can help you qualify for more sub-prime loan that will help get the best rate online.

Bill Consolidation Refinancing for:

- Second Homes
- Vacation Homes
- Investment Homes

100% Refinance Loans for 1st time Home Buyers, Cash Out or Rate and Term

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

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