Select Credit Offer to Review

Credit Education

               




Privacy and Security

       

  

   

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.

Mortgage Refinancing Advice

Mortgage Foreclosure Assistance

Homeowner Financial Assistance

Mortgage Loan Payoff

Free Tips to Prevent Foreclosure

Mortgage Equity and Mortgage Bankers

Equity for Retirement

Home Remodeling Loan

Reverse Mortgage Loan

Home Remodeling Loan

Home Equity Loan

2nd Mortgage Loan

  

  

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
 



Average Closing Costs to Refinance a Mortgage


Refinancing your home mortgage could be a huge benefit, especially if you can get a lower interest rate or to use your home's equity to pay off high interest bills. But don't forget about the costs associated with this process. Depending upon your location, you may pay about 3% to 6% of the principal of your loan in closing costs.

Here are some of the mortgage refinancing fees to be aware of:

Appraisal
Just as when you had first bought your home, when you refinance you will most likely have to undergo another appraised at your expense. Lending Tree estimates appraisal costs at $225 to $450.

Fees
Three of the most common fees in a refinance are the application fee, the loan origination fee and the home inspection fee. The application fee is the money you pay to have your application processed, which the Home Buying Institute estimates to be $75 to $300. The loan-origination fee is one of those murky terms, but it basically entails the amount of work your lender puts in to evaluate your loan application and prepare it for the underwriter. This fee is about 1 percent of what you're financing. Your home may or may not need to be inspected, depending on the requirements of your lender. But if your home must be inspected, expect to pay $175 to $350, according to Lending Tree.

Credit Report
The credit report fee sometimes is rolled into the application or loan-origination fees. But either way, your lender will charge to pull your credit report to determine your worthiness for the loan. This charge is small. The Home Buying Institute estimates the cost at $15 to $30.

Title Search
Most lenders won't use the title search that was conducted during the initial sale of your home when doing a refinance. They will usually order a new one. The title search examines the property's history to confirm legal ownership and find any claims or liens against the property, such as a lien from a previous owner. According to Lending Tree, this fee can be $450 to $600 and usually includes title insurance. Title insurance covers you against losses caused by discrepancies in the title or against challenges to your ownership due to issues like fraud, forgery and probate issues.

Legal Fees
You probably didn't hire a lawyer to look over your refinance paperwork before you signed it. No problem. Your lender did and passed the cost on to you. Your lender's attorney looked over the paperwork to make sure everything conformed to current lending standards and approved the closing paperwork for the lender. This cost is usually $75 to $200.

Other Costs
If the lender wants a survey of the property, you can be charged $125 to $300 for that service. If you live near a flood zone, your lender may require a determination of whether you need flood insurance. This evaluation can cost around $20. If your lender needed a courier to get your paperwork to you, that cost can be passed on to you and run up to $30.

  

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.

          

Free Lender Match

No Obligation

     

Simply enter your

Email Address

and

Zip Code

     

           

free debt relief. lower monthly bills and unsecured bill payments.

Don't qualify for a home remodeling loan?

Easily reduce bill payments

Stop harassing creditor calls and collection agencies

Unsecured debt consolidation or debt settlement quote.

debt consolidation or debt settlement

 

 

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.
 

FirstRepublic.com Review - 2011 First Republic Bank. All rights reserved.

Residential lending options
* Fixed rate mortgages
* ARMs linked to a variety of indices (Treasury, Libor, Prime, 11th District Cost Of Funds, and more)
* Flexible terms from one month to 30 years
* Interest only payment plans
* Low monthly payment options
* With or without points
* With or without prepayment penalties
* Construction terms greater than twelve months
* 100% financing with additional collateral

Your luxury home financing specialist: Work with experienced lending officers who understand home value, as well as the important tax, estate and title issues associated with purchasing a home.

Your home refinancing expert: A First Republic professional can assist you in evaluating your refinancing options.

Refinancing may be for you if you want to:
* Reduce interest expenses and lower monthly payments
* Shorten a loan term and payoff your loan faster
* Switch between a fixed rate and an adjustable rate loan
* Consolidate debt
* Add or remove a borrower from your mortgage

First Republic Bank
111 Pine Street at Front
San Francisco, CA 94111

(415) 392-1400
(800) 392-1400 (toll free)



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.
 

BridgeMortgages.com Review

Bridge Mortgages provides low rate home purchase loans, with 100% home loan financing, 80-20 combo mortgages with options for adjustable rates, interest only, or fixed interest rate terms of 30 and 40 years. Bridge Mortgages is an experienced lender from California, who offers loans in 44 states. Our experience has led us to innovative mortgage products for 1st time homebuyers.

Purchasing home is stressful enough, without having to worry about financing this investment. We deliver affordable purchase loans that will meet your expectations. When you are ready to become a homeowner, let Bridge Mortgages help you with 100% of the financing.

Bridge Mortgages provides the following purchase loan products with fixed or adjustable rate payment options:

Home Purchase Loans to 103% - Preserve your cash-flow. You can finance the cost of buying the house and keep your money in the bank.

Jumbo Home Loans - You can finance homes with jumbo mortgages from $417,000 up to $2,000,000 and still qualify for a competitive low rate that works within your budget.

Poor Credit Financing - Available from 500 credit scores and up, Bridge Mortgages offers people loans 1-Day out of Bankruptcy. If you are a homeowner with credit card debt, or an adjustable rate mortgage, look no further.

80-20 Combo Loan - You can avoid PMI (private mortgage insurance)& keep your savings in your bank. These 1st & 2nd combo loans offer an 80% first and 20% second mortgage that close concurrently for your home purchase.

FHA Home Mortgages - Take advantage of little or no money deposit requirements with these popular government loans. FHA guarantees their loans and the credit requirements are much easier than the conforming loans of Fannie Mae and Freddie Mac.

Bad Credit Lender - 100% Mortgages - Refinance Home Mortgage Loans: Bridge is a bad credit lender that provides home mortgage loans, 100% mortgages and refinancing countrywide with, VA loan, FHA purchase and no cost home loans. With over ten years of experience as a mortgage lender, we are able to offer the lowest 30-year fixed mortgage rates online. Choose from FHA, VA, conventional home mortgages and debt consolidation for good people with a questionable credit scores. Apply Now! We offer prime and sub-prime home loans, but our mission is to find a home loan for everyone regardless of their good or bad credit history.

Debt consolidation loans have helped thousands of our clients reduce their monthly expenses with lower fixed rates that bring their payments and obligations down to an affordable level. Bridge Mortgages provides homeowners a complete solution with debt consolidation loans for first or second mortgages. Our consolidation loan options were created to help you lower your monthly payments and pay off high interest debts like credit cards and consumer loans.

Lower Payments with Consolidation Loans with Fixed Interest Rates: Bridge Mortgages now offers consolidation loan products that require almost no equity in your home. Consolidate debts and borrow up 80 to 100% now! Homeowners can consolidate debt and wrap all of your bills into a loan with fixed, simple interest rates that may offer additional tax incentives. Tax deductions should not be taken lightly, because they can save you money and debt consolidation loan opportunities are not available to all consumers any more. 

Choose between refinancing and home equity loans to get cash out for multiple purposes. Bridge Mortgage is a countrywide lender who provides online home equity loans for debt consolidation and 100% home equity loan refinancing. Borrowers can get cash out of their home for consolidating bills and financing business ventures or home improvements. Home equity loans provide new opportunities for homeowners to get a loan without having to go through the home refinancing step of revising their first mortgage.

* Closed End 2nd's
* Open End Lines of Credit
* Interest Only Home Equity Credit
* FHA - 95% CLTV's to w/580 Score
* Loan amounts up to $500,000 w/ 700 Score
* Fixed Home Equity Loans
* Reduced Documentation Available
* 2-4 Units & Condo's Available
* 2nd Home and Non-Owner Occupied Available
* No Equity Loan Refinancing
* Home Improvements Loans

877.236.3836

Loan Origination Center
9450 Mira Mesa Blvd
Suite B
San Diego, CA 92126

What is a Conventional Loan: any mortgage that is not guaranteed or insured by the federal government. A conventional loan is generally referring to a mortgage loan that follows the guidelines of government sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac. Conventional loans may be either conforming and non-conforming. Conforming loans follow the terms and conditions set by Fannie Mae and Freddie Mac. Nonconforming loans don't meet Fannie Mae or Freddie Mac guidelines, but they are also considered coventional.

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.

Copyright 2001-2014: CreditFederal.Com personal loan for bad credit, no credit check credit card, debt settlement negotiation, bill consolidation, mortgage & auto loans.