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FHA MORTGAGE: A government sponsored mortgage program chosen by many first time home-buyers (you don't necessarily have to be a first time home buyer, though) because it requires only a small down payment of 3%. In addition, the credit requirements are more relaxed than for similar 'conventional' mortgage programs.

VA MORTGAGE: A government program for veterans that is similar to an FHA mortgage but doesn't require a downpayment at all.

FHA AND VA LOANS COME IN BOTH 15 AND 30 YEAR MORTGAGE TERMS.

There are many state-specific and county-specific programs available. Ask your Loan Officer about any programs that may be available to you.
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Refinancing? Purchasing? Home Equity Loan? Fill out the online application below and 'Take Command of Your Home Financing!'
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At 123Refi we ask the question, When does FHA Mortgage make sense? When an FHA Mortgage saves you at least $150 a month! Read our fha and va mortgage Refinancing Guarantee--No hassles, just savings. FHA Mortgage and VA Mortgage in all 50 states with a wide variety of mortgage and home loan refinancing programs, 123Refi is the premier online FHA mortgage refinancing company. If you're in the va mortgage market, we have va and fha mortgage refinancing and home loan refinancing programs as well as equity loan mortgage refinancing and home loan refinancing programs to help with your refi.(There is a difference between an equity line and an equity loan) Whether you are refinancing a first or second mortgage we can help you. If you're ready to refi, our no points fha mortgage refinancing program can save you a ton of money and our va mortgage refinancing for home loan can help you qualify for these savings. If you are refinancing your va mortgage to consolidate debt or reduce your payments, our fha mortgage refinancing professionals can secure those savings and really make a difference in your life. We have bad credit mortgage refinancing to help people refinancing a mortgage who may have had trouble elsewhere. Whether your credit is excellent or plain terrible, 123Refi is here to help with absolutely any of your mortgage refinancing needs.

Loan Information
Property Value:
Occupancy:
Property Type:
Will You Have A
Co-Borrower? 		Yes No
Monthly Debt:
Your Credit:
Monthly Income:

I can verify this income through either past 2 years W-2's, past 2 years Tax Returns, or past 12 months Bank Statements.

I choose not to verify this income and prefer a 'Stated Income' option.

OPTIONAL: Provide Either Your Social Security Number or Credit Score:

For Refinancing and Home Equity Loans
Current Loan Amount:
Current Interest Rate:
Fixed Rate or
Adjustable?
Any Cash Out?
Is this strictly a
2nd mortgage?

For Purchases and Prequalification
Amount Available for
Downpayment:

If you prefer a 'Zero Down' option, what is the amount of your total liquid assets (savings, 401k, stocks, etc):


If this is a Prequalification, what is your maximum desired monthly payment?

Area Interested in Purchasing:

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Find Out How To Beat The Banks - Read Below For Details...
FHA Mortgage

VA Mortgage

"The service was great and so was my rate! There weren't any hassles at all - they listened to my concerns, answered all of my questions, plus I got a better rate than I expected."

Thanks again,

G. Frederickson

POINTS EXPLAINED

What are points and when, if ever, does it make sense to pay them?

FEES EXPLAINED

What are the 'real' costs of my mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...



Mortgage Programs Explained...
VA and FHA Mortgage Programs
Fixed Rate Mortgage
What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate mortgage?
 Balloon Mortgage
What is a Balloon Mortgage? When would it make sense for you?

Adjustable Rate Mortgage
Also known as ARM's or Variable Rate Mortgages. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR.
Home Equity Loan - 2nd Mortgage
Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you.