Refinance with Us
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We Make Refinancing Your Home Easy!
Rate and term refinancing is driven primarily by a drop in interest rates. When rates drop, take advantage of free quotes to see how much you can save. Thinking about changing your term, we offer fixed and adjustable terms from 3 years to 30 years. Common fixed rate terms would include our 10, 15, 20 and 30 year mortgage. Fixed Adjustable Rate Mortgage or ARM terms would include extremely low rates for 3, 5, 7 and 10 years. Looking for a custom fixed terms from 8 – 30 years, we got you covered.
Start your Rate and Term Refinance now (888)416-4805.
Homeowners with equity in their home have the option of refinancing with cash out. Put your cash to good use by paying off debt, investing in a second home or investment property, add to or protect your existing investments.
Find out how much cash is available now (888)416-4805.
Debt can add up fast and in most cases would take an eternity to pay off. Every month households have payments, student loans, high interest credit cards and car payments. Unfortunately for some the payments are due each month and they create unwanted daily stress. With a debt consolidation refinance borrowers are paying off these high interest payments with the equity from their home. This creates one new mortgage payment and eliminates the stress of high interest payments and debt.
Find out if you qualify for a Cash Out Refinance (888)416-4805.
Current on your mortgage? Little or no equity in your home? You could be eligible to save up to $2,500 a year with HARP. HARP Mortgage Brokers are standing by to see if you qualify for this program.
- The mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac
- The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009
- Borrowers must be current on their mortgage payments with no payments more than 30 days late in the last six months and no more than one late payment in the last 12 months
- Eligible property types are primary residence, one-unit second home and one-to-four-unit rental property
- The current loan-to-value (LTV) ratio must be at least 80 percent. There is no maximum LTV limit for a new fixed-rate mortgage. The maximum LTV for a new adjustable-rate mortgage is 105 percent.
- You cannot have previously refinanced under HARP (unless it was a Fannie Mae loan refinanced under HARP between March and May 2009)
Find out if you Qualify for HARP (888)416-4805.
Mortgage rate uncertainty and economic times can be stressful on those with Adjustable Rate Mortgages. It could be a good time to consider refinancing your ARM into a fixed-rate mortgage, locking in a low rate and securing a set payment over the remaining life of your mortgage.
Get a low rate fixed mortgage quote now (888)416-4805.
The HELOC or Home Equity Line of Credit has variable mortgage rates. Homeowners with current equity lines can be vulnerable to rising interest rates and increased payments. Refinance your Home Equity Line into a new 1st Mortgage. Act now and get a lower rate and one new payment.
Mortgage Brokers are ready to assist you now (888)416-4805.
Refinance guidelines say that income, assets and credit are not verified; nor is employment. Appraisals are not required, either. Fast Closings![
Apply now for FHA Streamline Refinancing (888)416-4805.
IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a “Streamline” or a “VA to VA.” Except when refinancing an existing VA guaranteed adjustable rate mortgage (ARM) to a fixed rate, it must result in a lower interest rate.
Start your VA IRRRL now (888)416-4805.
Getting Prepared to Refinance
What To Expect
You’ve taken the time to research your options now is the time to obtain your goals. A great question to ask yourself is, am I confident in my Mortgage Broker? On your initial contact your Mortgage Broker will acknowledge your current situation, analyze and explain what options are best for you. Credit score, monthly payments, home value and debt to income ratios will be discussed. Don’t worry our licensed Mortgage Brokers will go at your pace and thoroughly explain everything.
The Free Credit Score Analysis
A majority of all refinance programs require a credit check. We will pull your credit for free and analyze the report with you. Credit scores will help determine what options work best for your situation.
Monthly Mortgage Payments
Our Mortgage Brokers will evaluate your payment to make sure it works with your budget. Pending the program, a shorter term, cash out or debt consolidation will raise your payment, lets crunch the numbers to make sure it makes sense. If your only looking for a lower payment, lets evaluate to make sure a refinance is worth it.
The Value of My Home
When it’s time we will order your appraisal, it’s important to do a bit of research. The Appraiser will determine the value of your home, a lower the expected value can have an impact on your ability to remove private mortgage insurance or cash out.
Recent sales in your area can help determine the value of your home.
Knowing the value of your home can tell you how much equity you have. To figure this out, just subtract your current mortgage balance from the estimated value of your home.
Debt to Income Ratios
Our Mortgage Brokers will be able to determine your debt to income ratio. If needed they will thoroughly explain your debt to income and if it effects your ability to refinance your current mortgage. Debt to income is calculated by taking your monthly debt payments divided by your gross monthly income. DTI is one way lenders measure your ability to repay the money you’re borrowing.
How Fast Can I Close
FAST! that is the goal for all of our clients. Every scenario is different, knowing this our Mortgage Brokers and support staff are available for support 24 hours a day. You will also have technology at your finger tips, including online applications, secure document uploads and electronic signatures. Taking responsibility early, your mortgage broker will know what documents are needed – gathering what you need and having it ready to submit will move your mortgage along quickly. Estimated closing times are available on our home page.
Why Clients Are Choosing Smart Mortgage Centers
- No application fee
- Lower rates
- More Programs
- Excellent Customer Service – Read hundreds of stories
- Complaint Free Awards 5 years running
Start your refinance now! Not seeing a loan option? Chances are we have it call (888)416-4805 or start your online application.
If you have questions for our local mortgage brokers, simply call our mortgage refinance hotline.
Consolidate Debt, GET CASH With Lower Rates and 5 Star Customer Service