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A Free Mortgage Quote Will Help Determine if it Makes Sense to Refinance

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Refinancing

Home Purchases

Debt Consolidation Loan

Home Equity Loan

Bad Credit Mortgage

Mortgage Calculator

Free Mortgage Quote Will Help You Find Out if Refinancing Makes Sense

TAKE COMMAND OF YOUR HOME FINANCING!

We understand that you have many companies to choose from when considering mortgage refinancing. We also understand that a few of these companies offer mortgage programs that are as competetive as ours. Our many thanks to you for selecting us is expressed in our level of Service. Which is to say that our loan professionals won't merely structure a fantastic program tailored to your specific Home Loan needs, but that we'll actually deliver it in a remarkably pleasant fashion. To receive your free mortgage quote simply fill out the application below. Thanks again...

Do You Really Need 4 Loan Offers - or Just The Best Offer?

We don't sell your information to multiple brokerages and call it 'competition'
One low offer that best suits your mortgage needs
Experienced loan officers with complete knowledge of mortgage financing
No hassles or obligations - just great service!

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 Mortgage Refinancing make sense? When home loan refinancing saves you at least $150 a month! Read our Home Mortgage Quote Guarantee--No hassles, just savings. Refinancing Mortgage in all 50 states with a wide variety of mortgage and home loan refinancing programs, 123Refi is the premier online mortgage refinancing company. If you're in the refi market, ask for a mortgage quote on our equity line 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 and want a mortgage quote, our no points mortgage refinancing program can save you a ton of money and our stated income refinancing for home loan can help you qualify for these savings. If you are refinancing your mortgage to consolidate debt or reduce your payments, our home loan 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:
Are you working with a Realtor?	Yes No

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

Ask For A Free Mortgage Quote

"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...

Free Mortgage Quote
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.

Call Us And See How Mortgage refinancing Can Help You
FHA - VA Mortgage
Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs. Documentation Options
What are the differences between Full Documentation (full doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?

How Can We Help You 'Beat The Banks'?

It's simple: click on any of the banks listed to the right and we will package your mortgage with that bank according to the mortgage program of your choice - but we'll beat their published rate by .25% and won't charge you any more than the fees that particular bank normally charges. Click here for details or click on the bank of your choice to get started.

	Mortgage Calculators
Mortgage Payment Compare Current Mortgage to New Mortgage Offer Compare Up To 4 Mortgage Programs Call Today For A FREE QUOTE 1-877-357-2336

Beat The Banks!!!

Your Source For California Mortgage Loan Information