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Considering A Bank Of America Mortgage?
Bank Of America Mortgage
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  • 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 offer the ability to Beat The Banks. How does this work? We will beat the published rate of leading your favorite bank by .250% We will package and underwrite the mortgage according to the guidelines of that bank and won't charge any more fees than that bank charges themselves.Thinking of a Bank Of America Mortgage? Fill out our online Bank Of America Mortgage application and we'll package your home loan according to Bank of America guidelines. Not only that, but we won't charge any more than the fees charged by Bank of America themselves for your Bank of America Mortgage. And a final detail: We'll beat the published rate of Bank of America by .250%---now that's the way to Beat The Banks and beat a Bank of America Mortgage!

Loan Information
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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
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2nd mortgage?

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Amount Available for

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

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Find Out How To Beat The Banks - Read Below For Details...
Bank Of America Mortgage Info

Bank Of America Mortgage Information

"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


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


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...
Bank Of America 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.

Bank Of America Mortgage Options

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.

Bank OF America Mortgage Calculator

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Beat The Banks!!!
Many states have lending laws that govern refinancing properties within that state.
To help serve you better, please select the state your property is located in:

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