REFINANCE – Debt consolidation, cash out or ?

debt consolidation
Debt Consolidation Loan Approved

Need cash out, want to pay off debt?

We offer cash out, streamline and rate and term refinance from a minimum 500 credit score. No fico scores required for FHA and VA refinances. A cash out or rate and term refinance requires an appraisal.

You may even have enough equity to refinance to a conventional loan with NO Mortgage insurance.

Call 760-486-4225

  • FHA Streamline  – no credit qualifying, no appraisal and record low rates. Inquire rate and terms today.
  • Lower your interest rate with an FHA Streamline on a current FHA Home Loan or convert a current FHA adjustable rate mortgage into a fixed rate.
  • Streamline your FHA loan quickly and easily.
  • No appraisal, no income qualifying debt ratios means less hassle and less paperwork than a normal refinance

Streamline your FHA mortgage to lower your mortgage insurance today.

Is your FHA loan prior to 1/26/2015? If so, HUD reduced the monthly mortgage insurance premium from 1.35% of the loan amount to 0.85% of the loan amount which could be a substantial monthly savings.

The FHA Streamline refinance program does not require an appraisal and in many cases no income or credit qualifying.  The new loan amount is not any higher than your current loan amount so this is a very simple process to accomplish this savings.  Rates are very good right now too.  Please let me know if you have any questions.

Streamline FHA Refinance – Key Features & Benefits:

  • No appraisal is needed
  • Income or DTI ratios are not calculated
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  • Credit scores are not required
  • Your lender will refund your escrow/impound account
  • Skip one mortgage payment
  • Reduced lender fees
We now lend in 30 states, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, South Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin.

OTHER LOAN PROGRAMS:

FHA     Conventional     VA     CalVet     Jumbo     USDA Rural     DAP’s