Home Mortgage Refinance Info - Mortgage Refinance Application

At 123Refi we ask the question, When does Home Mortgage Refinance make sense? When home mortgage refinance saves you at least $150 a month! Read our Home Loan Refinance Guarantee--No hassles, just savings. We Refinance Mortgage in all 50 states with a wide variety of mortgage and home loan refinance programs, helping make 123Refi the premier online home mortgage refinance company. If you're in the refinance market, we have equity line mortgage refinance and home loan refinance programs as well as equity loan mortgage refinance and home loan refinance programs to help with your refi. (There is a difference between an equity line and an equity loan) Whether you want to refinance a first or second mortgage we can help you. If you're ready to refinance, our no points home mortgage refinance programs can save you a ton of money and our stated income refinance for home mortgage can help you qualify for these savings. If you are looking to refinance your mortgage to consolidate debt or reduce your payments, our home mortgage refinance professionals can secure those savings and really make a difference in your life. We have bad credit mortgage refinance programs to help people refinance 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 home mortgage refinance 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 Home Refinance and 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...

What Are Your Home Mortgage Refinance Options?

"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...

Ask The Home Mortgage Refinance Experts!
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 Home Mortgage refinance 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.