Home Refinance Programs

If you are in need of some type of refinance loan, rest assured, we can help. We are approved to lend with over 150 of the very best banks and lenders, so if it can be done, we can do it, and we can do it better than the rest. We have literally thousands of different programs to assist you with, all with rock bottom rates and fees. We are even authorized to offer all of the Government programs you may have been hearing about lately, like the Making Home Affordable Refinance Program (HARP). With this program, it really doesn't matter if you have a credit score of 850 or 650 because you can still qualify for the lowest rates around. It also doesn't matter if your LTV is 25% or 125%. The rates and fees are still exceptional. If you happen to be very well off financially, or if you are struggling to make ends meet, we can still help. Not all companies are allowed to offer these programs, so even if you have been turned down elsewhere, you should still give us a shot. The Government programs are obviously not the only ones we offer, but instead of listing every single kind of program that we can offer here, and potentially boring you with a very long list, why don’t you contact us today so that we can provide you with a free personal loan quote tailored to your specific situation or request. It’s as simple as clicking our “Free Rate Quote” button on our home page or filling out the form below!


Thank you for visiting our Free Rate Quote page. Just take a few minutes to answer these harmless, but very important questions, and we will respond within 24 hours with your free rate quote. Please remember that by providing us with complete and accurate info, this will allow us to be complete and accurate with our quotes as well.

Your Name
Your Email Address
What type of loan are you interested in (e.g.,
30 yr fxd, adjustable, option arm, HELOC, etc.)?
What do you want to accomplish with the new loan
(e.g., home improvements, debt consolidation,
lower rate, etc. If you are pulling cash out
with your new loan, please specify how much you
need and specifically what you will be using it

What will the total loan amount be that you
What is the value of your home (what are other
homes similar to yours selling for in your
What type of home is the financing for (e.g.,
single family, condo, duplex, etc.)?
How do you use the home (owner occupied/living
in it, 2nd home/vacation, investment, etc.)?
What is the address of the subject property that
you need financing for (include zip code)?

Who is the current mortgage lender for the
subject property?
What is your current mortgage balance (if you
have more than one mortgage on the property that
you want to refinance, please provide both
balances separately)?
What is your current mortgage payment and
interest rate (does payment include taxes and
insurance, AKA impound)?
Approximately, what is the total monthly
obligation amount for all of your mortgage
payments (or monthly rent if that applies
instead), property taxes, homeowners insurance,
credit cards, and auto loans? Please itemize and
include other properties that yo

If you have a second mortgage, when was it
opened? Also, if the 2nd mortgage is an equity
line, when was the last time you withdrew cash
from it?

Who will be on the loan with you (if more than
one borrower, please also provide their info for
all of the coming questions)?

What is your (all borrowers) occupation and how
long on the job (we need to get a full history
for the last 2 years only. Explain any lapses of
more than 1 month between jobs)?

What is your combined gross monthly income
before taxes that can be documented for all
borrowers applying (If self employed, please
also give net income after taxes)?

What is the approximate combined amount of all
of your liquid assets (e.g., checking, savings,
401k, stocks, bonds, retirement, etc.)?

Do you know your credit scores (need for all
borrowers)? If not, would you rate your credit
as being excellent, good, fair, or poor (if fair
or poor, explain why. E.g., have you had
mortgage lates, BK, etc.)?

Have you attempted to secure financing anywhere
else, but been declined? If so, what were the
reasons for being turned down (this is just so
that we can work around any known issues ahead
of time)?

What is the best written quote that you have
received so far (we may ask to see this to offer
you our price guaranty)?

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