Free mortgage refinancing calculator and refinance loan application.

Apply online for a refinance loan and use our mortgage refinancing calculator to see if you can save money. Or use our new home loan calculator, or simple loan interest calculator.

Mortgage Refinancing Calculator
Enter your current mortgage data:	Enter digits & periods only
Enter the principal balance of your mortgage: (call your mortgage lender and ask for the current payoff amount)	$
Enter the amount of your monthly mortgage payment:	$
Enter your mortgage's current interest rate:	%
Enter interest rate you will be refinancing at:	%
Enter the number of years you will be refinancing for:
Enter closing costs (# of points is typically "2" or dollar amount is .02 times principal)
Would you like to finance the closing costs?

After refinancing, your new payments will be:
Your monthly payment after refinancing:
Monthly Payment Reduction:
# of months for interest savings to offset closing costs:	months
Amount of interest you will pay under your current monthly payment plan:
Amount of interest you will pay if you refinanced:
Amount of interest you will save if you refinance:
Net Savings (interest savings less closing costs):

good or bad credit home equity loan

Good or bad credit refinancing loan

Mortgage Refinance Loan

There are many reasons why homeowners seek a mortgage refinance loan. Besides the common reasons such as home remodeling, purchasing additional real estate, sending a child to college, etc, some home owners refinance a mortgage to fund a lawsuit loan, go on vacation, or use the cash as an RV loan.

Whether you have good or bad credit, use our mortgage refinancing calculator to see if you have enough equity and lower interest rates to benefit with a refinance loan.

Need more information? Read our financial and credit articles related to mortgage refinancing, and join our online financial newsletter.

Mortgage Loan Bill

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.

Mortgage High Risk Loans

Troubles and worries with mortgage high risk loans continue. Wachovia will stop offering a mortgage repayment option that allows borrowers to pay less each month than the bank charges in interest. Meanwhile, CountryWide faces a lawsuit in Florida for predatory bad credit lending. There are still good home loans and mortgage refinance options.

Mortgage Loan Woes

Credit woes continue for borrowers as well as lenders for new home loans and 2nd mortgage refinancing. Although falling home values make purchase prices and deposits lower, it's also harder to get loan approval. Meanwhile, homeowners are quickly losing equity.

Home Mortgage Application

As long term mortgage rates fall, submit an online application for a home loan or for mortgage refinancing.

Know Someone Who Needs Personal Credit or Debt Help?
Email Them About Us

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.

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.

Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.

More refinancing calculator tools.