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A simple refinance of your existing mortgage for a lower interest rate.
This is simply replacing your existing mortgage with a new mortgage for better rates and/or terms (number of years, balloon, no ballon, adjustable rate, fixed rate etc...).
Refinance to include paying off an existing second mortgage.
Much like above, an additional step is to payoff of an existing second mortgage or home equity line of credit (HELOC)
Refinance to include payoff of existing second mortgage and additional debt
Building on the two programs above, a refinance that consolidates all mortgages and debt (a great idea).
Refinance with extra cash out for home improvement, investment etc.
Like above, refinance for a lower rate, pull cash out for anything you desire.
Refinance including payoff of credit cards & other debts not exceeding 95% of your home's value.
Once you borrow above 80% of your home's value, rates increase slightly. Your overall monthly payment typically goes down dramatically
Refinance including debt consolidation, up to 125% of your home's value.
Allows total consolidation of your debt as well as reducing the rate of your 1st mortgage. You can also borrow up to 125% of your home's value as a second mortgage only.
A simple second mortgage loan for debt consolidation, home improvement, investment etc.
Up to 125%, rates are primarily credit score driven.
Second mortgage loan up to 90%-100% of your home's value.
Rates tend to be lower than 125% loans and are also credit score driven.
Second mortgage loan up to 100%-125% of your home's value.
Try our debt consolidation calculator above, you will be shocked at the monthly savings you can achieve.
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