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Mortgage Refinancing and Equity Options: Use your home as your personal loan resource. Apply for a low interest 2nd mortgage loan. A home equity loan can be used to pay for home remodeling to improve your home's value, or as a debt consolidation loan to payoff bills and get rid of high interest fees or to buy a boat or RV or to go on vacation.

Before you apply for 2nd mortgage refinancing, use our mortgage refinancing calculator to calculate the new long term monthly payments. In addition to providing money that can be used as an unsecured debt consolidation loan to payoff bills, a mortgage refinance loan can be used for any reason.

Learn about a joint mortgage loan, the benefits of a reverse mortgage and the options for a nonhomeowner debt consolidation loan. Get all the facts and carefully review the terms and conditions before you submit your mortgage refinancing application. Browse for more mortgage refinance resources.

 

Reverse mortgage - Information about the benefits of a reverse mortgage.

Home equity loan - Refinance your first mortgage and take cash out at closing.

Home remodeling loan - Use your home's equity to finance a remodeling project and increase home value.

Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

Mortgage refinancing - Read the benefits of mortgage refinancing.

Mortgage refinancing calculator - Calculate your new mortgage payments.

2nd mortgage loan - Equity cash loan, debt consolidation, remodeling and other uses.

2nd mortgage refinancing - Apply for a lower interest rate and/or lower payments.

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Mortgage Equity and Mortgage Bankers

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Reverse Mortgage Loan

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Home Equity Loan

2nd Mortgage Loan

  

  

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Buydown mortgages - A buydown mortgage enables you to get a lower interest rate by paying a lump-sum fee or by paying a fee that is financed over the life of the loan. Buydowns are similar to paying points but they usually are paid by the seller or the builder as an incentive to make a sale by creating lower monthly payments. Be aware that the cost of those points may be included in the selling price, and you could end up paying more for a house than its appraised value.

There are two types of buydowns: temporary and permanent. A temporary buydown lowers the interest rate and the monthly payments for the first few years of the loan. The most common type of temporary buydown is the 3-2-1 buydown. This type of buydown will generally cost three to four points (which is $6,000 to $8,000 on a $100,000 loan). A permanent buydown lowers the interest rate for the life of the loan. Again, this type of buydown will generally cost six to eight points and may reduce the interest rate by only 1% for the life of the loan.


  

Apply online for a good or bad credit home remodeling loan. Get a free equity loan quote from multiple lenders and see if our network can give you the lowest home improvement loan rate.

          

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A government home remodeling loan is limited to a maximum loan amount of $12,000 per family unit. But with the Credit Federal network, you can get a home improvement loan for up to $100,000 or more.

The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. "Lending institutions make loans from their own funds to eligible borrowers to finance these improvements."

The Title I program insures loans to finance light or moderate home remodeling, as well as the construction of nonresidential buildings on the property. This program may be used to insure such loans for up to 20 years on either single- or multifamily properties. The maximum loan amount is $25,000 for improving a single-family home or for improving or building a nonresidential structure.

For remodeling or improving a multifamily structure, the maximum loan amount is $12,000 per family unit, not to exceed a total of $60,000 for the structure. These are fixed-rate loans, for which lenders charge interest at market rates. The interest rates are not subsidized by HUD, although some communities participate in local housing rehabilitation programs that provide reduced-rate property improvement loans through Title I lenders.

FHA insures private lenders against the risk of default for up to 90 percent of any single home remodeling loan. The annual premium for this insurance is $1 per $100 of the amount advanced; although this fee may be charged to the borrower separately, it is sometimes covered by a higher interest charge.


Regardless of bad credit or no credit, our multiple lenders want to offer you a home remodeling loan at the lowest interest rate possible. Applications accepted from all credit types.

 

Learn more about home mortgages, and read our articles related to a home remodeling loan.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

GuideToLenders.com Review - ©2011 QuinStreet Media, Inc. All rights reserved.

A new home mortgage is the first loan the buyer takes out to pay for a new property, not just the mortgage a first-time home buyer takes out. For first-time buyers, getting a loan can be challenging, so being well-informed when seeking a new home mortgage is the best borrowing strategy. Mortgages come in either fixed- or adjustable-rate kinds, and generally last for a term of ..

Refinance Rates have Dropped. Take Advantage of Today's Low Rates while you still can. Mortgage refinance rates have fallen. These low rates will not last forever. Obtain a low rate before it is too late. Simply answer a few questions, and we will connect you with several pre-screened refinance lenders who will compete against each other to provide you with the best points, rates, and payments that you qualify for. Make one lender beat the rates of the other lenders and save.

Low Home Equity Loan Rates are Still Available: We’ve created the ideal solution to your home equity loan search – we bring together competing lenders eager to offer their best mortgage rates and payments for you. You decide which home you a equity quote wins. Of course, the real winner is you.

Our lenders compete to consolidate your debt. We’re helping more and more homeowners use their home’s equity to consolidate their debt and we can help you too. Simply answer a few questions and we’ll connect you to lenders who will compete to give you their best debt consolidation loan with the rates, points and options that fit your situation.

Let lenders compete to offer you the best Second Mortgage: Mortgage interest rates have fallen. These low rates will not last forever. Obtain a low rate before it is too late. Simply answer a few questions, and we will connect you with several pre-screened mortgage lenders who will compete against each other to provide you with the best points, rates, and payments that you qualify for. Make one lender beat the rates of the other lenders and save.

Reverse mortgages are aptly named. Take almost everything you know about mortgages, turn it around backward and you'll begin to understand this unique mortgage product. Here is how a reverse mortgage differs from a standard mortgage. How Does a Standard Mortgage Work?
* Borrowers may not get approved for a loan if they have bad credit
* Borrowers must have sufficient income to repay



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

AccessHome.net Review

Purchase, refinance home equity, debt consolidation, jumbo, first time home buyer, and zero down payment home loan options are just a few mortgages lenders specialize in today. Access Home Loans is an online resource providing a full line of lending services to ensure borrowers: loan approvals, competitive interest rates and timely closings. These home loan program options are offered by local and national mortgage company lenders and brokers doing business with integrity, efficiency, and personal service.

To top it off, you get terrific service, low rates, low fees, and an experienced mortgage lender who will answer your questions, keep you up-to-date, and do whatever it takes to make your first time home buyer experience amazingly easy! Get the first time home buyer loan program you want with a low downpayment and mortgage rates!

Purchase Loans: Fixed and adjustable mortgage rate program with low interest buy-downs

Home Equity Loans: HELOC mortgages, refinance, debt consolidation and other equity loan options

Home Refinance Loans: Refinance you current mortgage while interest rates are at all time lows

Super Jumbo Home Loans: Residential multi-family fixed and adjustable loan programs up to 5,000,000

Low Down Payment Program: 3-5% down payment, no maximum income restrictions, loans up to $400,000

No Down Payment Loan Program: Avoid typical first time home buyer up front home buying loan expenses

First Time Home Buyer Loan Program: Zero down payment first time home buyer loan payment help option

* First Time Home Buyer mortgage loan solution
* Up to 100% combined loan-to-value with 1st and 2nd mortgage lien
* Income stability is important within the last 2 year's
* Credit is important within the last 2 year's
* Homebuyer education certificate
* Loan amounts up to $650,000
* Fixed mortgage rates only
* Assumable with qualification
* No loan prepayment penalties
* No mortgage insurance premium
* 6% seller concessions allowed
* Family-member gifts allowed
* Non-occupying cosigners allowed
* 1 to 4-unit dwellings and condos allowed
* Up to 10% of down payment assistance (Qualified buyers)
* Grant can pay for closing costs and down payment.


When you want to buy a home, you are faced with many decisions. As a first time home buyer the first is whether you are actually ready to buy. Finding the right first home is not always easy, and getting a first time home buyer mortgage loan can be time consuming and complicated. See Government Affordable Housing Programs for low income borrowers.

To help you decide if you're ready as a first time home buyer, we'll take you through the steps a mortgage lender uses to decide if you qualify for a first time home buyer loan. When you take out a loan, you sign documents that say you promise to pay back the loan.

When a mortgage lender makes you a first time home buyer loan, it has determined that there is a good likelihood that you can keep that promise. The mortgage lender knows that it does not help you or the lending institution if you are given a loan, but then, for any reason, are unable to make the loan payments each month.

Fixed rate products
* 30 Year Fixed (30 year)
* 15 Year Fixed (15 year)

Adjustable rate products
* 10 Year Fixed (30 year)
* 7 Year Fixed (30 year)
* 5 Year Fixed (30 year)
* 3 Year Fixed (30 year)
* 1 Year Fixed (30 year)

Stated income products
* 15 Year Fixed (30 year)
* 30 Year Fixed (30 year)

Combination loans
* 80/10/10
* 80/15/5

Prepayment penalty products
* 15 Year Fixed (30 year)
* 30 Year Fixed (30 year)

Home equity line of credit
* Adjustable Rate Mortgage

Home equity (2nd's) loan
* 30 Year Fixed (30 year)
* 15 Year Fixed (15 year)

Balloon products
* 7 Year balloon (30 year)
* 5 Year balloon (30 year)

Minimum Down Payment
* 30 Year Fixed (30 year)
* 15 Year Fixed (15 year)


Home Remodeling - Funds for Handyman-Specials and Fixer-Uppers: The purchase of a house that needs repair is often a catch-22 situation, because the bank won't lend the money to buy the house until the repairs are complete, and the repairs can't be done until the house has been purchased. HUD's 203(k) program can help you with this quagmire and allow you to purchase or refinance a property plus include in the loan the cost of making the repairs and improvements. The FHA insured 203(k) loan is provided through approved mortgage lenders nationwide. It is available to persons wanting to occupy the home. The downpayment requirement for an owner-occupant (or a nonprofit organization or government agency) is approximately 3.5% of the acquisition and repair costs of the property. The 203(k) loan includes the following steps: A potential homebuyer locates a fixer-upper and executes a sales contract after doing a feasibility analysis of the property with their real estate professional. The contract should state that the buyer is seeking a 203(k) loan and that the contract is contingent on loan approval based on additional required repairs by the FHA or the lender. *) The homebuyer then selects an FHA-approved 203(k) lender and arranges for a detailed proposal showing the scope of work to be done, including a detailed cost estimate on each repair or improvement of the project. *) The appraisal is performed to determine the value of the property after renovation. *) If the borrower passes the lender's credit-worthiness test, the loan closes for an amount that will cover the purchase or refinance cost of the property, the remodeling costs and the allowable closing costs. The amount of the loan will also include a contingency reserve of 10% to 20% of the total remodeling costs and is used to cover any extra work not included in the original proposal. *) At closing, the seller of the property is paid off and the remaining funds are put in an escrow account to pay for the repairs and improvements during the rehabilitation period. *) The mortgage payments and remodeling begin after the loan closes. The borrower can decide to have up to six mortgage payments (PITI) put into the cost of rehabilitation if the property is not going to be occupied during construction, but it cannot exceed the length of time it is estimated to complete the rehab. *) Escrowed funds are released to the homeowner during construction through a series of draw requests for work that is completed. To ensure completion of the job, 10% of each draw is held back; this money is paid after the homeowner informs the lender that the work has been completed and after the lender determines there are no additional liens on the property.


Apply for a home equity loan, or view options for a traditional second mortgage loan to pay down debt, for remodeling, or for any reason.
Apply online for a home remodeling loan to increase your home's value.
Mortgage bill aims to safeguard the nation's two largest mortgage finance companies; Fannie Mae and Freddie Mac, and to help troubled borrowers avoid foreclosure. Get free lender quotes for a 2nd mortgage refinance loan or an equity loan to pay bills, to remodel or any reason, or apply for a new home loan.
Even when mortgage interest rates are high, you may still benefit by refinancing such as by raising your home's value through remodeling loan improvements.
Want a new kitchen, bathroom? Need a new roof, patio, or an addition? Free tips and home remodeling loan application.

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