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Home Loan Refinancing

Refinancing your home can be very beneficial to any homeowner. If you are looking to lower your home interest rate, change your home loan terms, or get cash-out of your home, refinancing may be for you. Apply online to get the best interest rate available on the home loan market place.

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Refinance and lower your monthly payment.



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Home Loans

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Home Loans for all types of mortgage loans. Whether you are looking for a new home loan, second mortgages, or a cash out home equity loan.
Even if you are a first-time buyer, take some of the headaches out of home buying by using our free online application.

Home Refinance Loans

Home Refinance Options

Refinancing your home can be very beneficial to any homeowner. If you are looking to lower your home interest rate, change your home loan terms, or get cash-out of your home, refinancing may be for you. Apply online to get the best interest rate available on the home loan market place.

Home Equity Loans
Typically the quickest and easiest way to get hard cash from your home, a home equity loan uses the equity you've built up in your home to provide money for any reason. Home improvements, debt consolidation, a dream vacaation...a home equity loan could help you get the cash you need.

Mortgage Terms
Assumption
The agreement between buyer and seller where the buyer takes over the payments on an existing mortgage from the seller. Assuming a loan can usually save the buyer money since this is an existing mortgage debt, unlike a new mortgage where closing cost and new, probably higher, market-rate interest charges will apply.
Fannie Mae
A common term used in real estate finance taken from FNMA (Federal National Mortgage Association). It provides a market for government secured mortgages held by primary lenders and provides them with a ready market so as to permit a greater turnover of money for loans
Mortgage
A conditional conveyance of property as security for the payment of a debt or the fulfillment of some obligation. Upon payment of the debt or performance of the obligation the mortgage becomes void.
Points
Points are also called discount points, mortgage points, loan discount points, loan origination fees, or maximum loan charges. Points are prepaid interest assessed at closing by the lender and or the broker. A point is equal to 1 percent of the loan amount. Lenders consider mortgage points as interest that you pay in advance. As a result, the more points you pay when you close the loan, the lower your interest rate. The IRS considers points to be a form of prepaid interest. Discount fees are totally tax deductible for the year the loan is closed for tax purposes, while origination points are tax deductible over two years (half for the year the loan is closed, and half in the year following).
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