Lower Your Mortgage Payment Without Hassle!

• President Obama’s Loan Modification Plan has opened the doors of refinancing for millions! Ask us about this today.

Most Popular Loans for Lowering Your Monthly Payment

FHA Loan

• 30-, 25-, 20- and 15-year terms are all available with fixed rates
• Credit scores as low as 580 may qualify
• 5-year adjustable-rate mortgage available
• Refinance up to 97.75% of your primary home’s value
• Buy a home with as little as 3.5% down (primary home)

How an FHA Loan Works

• Your actual payment will vary based on your situation and the current interest rates when you apply
• Pay your mortgage at any time without pre-payment penalties

• • FHA Loan: Rate is fixed. The payment on a $202,000, 30-year fixed rate loan at 4.75% and 70% loan-to-value (LTV) is $1137.9 with 0.75 Points.

  • Payment includes a one time upfront mortgage insurance premium (MIP) at 1.0% of the base loan amount and a monthly MIP calculated at 0.90% of the base loan amount. The 0.90% monthly MIP will be paid until the loan reaches 78% LTV, provided the MIP has been paid for a minimum of 5 years.

  • FHA Adjustable-Rate Mortgage: The payment on a $202,000, 30-year FHA Adjustable-Rate Loan with a 3.75% rate and 3.897% APR, assuming 70% loan-to-value (LTV) is $935.50 with 1.25 points due at closing. After 5 years, the principal and interest is $797.77.

  • Payment does not include taxes and insurance. Rate is variable and may increase after fixed rate period. Payment includes a one time upfront mortgage insurance premium (UFMIP) at 1.0% of the base loan amount and a monthly mortgage insurance premium (MIP) calculated at 0.90% of the base loan amount. The 0.90% monthly MIP will be paid until the loan reaches 78% LTV, provided the MIP has been paid for a minimum of 5 years.

  • Refinance out of a skyrocketing mortgage payment with the fixed-rate security of a government-insured FHA loan. Find out if you could refinance without an appraisal with our easy FHA Streamline.

• 30-Year Fixed-Rate Mortgage: The payment on a $200,000 30-year Fixed-Rate Loan at 4.875% and 70% loan-to-value (LTV) is $1058.42 with 1.375 points due at closing. The Annual Percentage Rate (APR) is 5.048%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

 Contact us today for your free consultation!

Apply today for your free Pre-Qualification!

Application