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Financing! SO YOU WANT TO BEAT THE BANKS?


It's simple: click on any of the banks listed below 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 .250% and won't charge you any more than the fees that particular bank normally charges. Click on the bank of your choice to get started.

How can we do this? As a broker to these major banks we are authorized to package and underwrite mortgages according to their guidelines---and the reason we are able to do it for less is this:

Banks spend a tremendous amount of money on advertising and other services that aren't as profitable to them as mortgages. They offer brokerages the ability to secure mortgages with lower rates because these 'operating costs' that are built in to their own mortgages don't apply to mortgages obtained through brokerages, whom do their own advertising and preparation of mortgage paperwork. In addition, brokerages bring a large amount of business to these banks and with out the ablility to offer a noticeable advantage many people would not use a brokerage (and ultimately a loan packaged by a brokerage would end up with that bank anyways, so they would rather build positive relationships with their favored brokerages.)

So you want to Beat The Banks? Select the bank of your choice and you're on your way...

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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. Click on the link if you are looking for a Bank of America Mortgage, if you are looking for a Washington Mutual Mortgage from Washington Mutual Bank. If you are looking for a Countywide Home Loan or for a Countrywide Mortgage. IF you are looking for a Wells Fargo Home Mortgage from Wells Fargo Bank. If you want a Greenpoint Mortgage from Greenpoint Bank. Use this service if you would like a Chase Mortgage from Chase Bank or a New Century Mortgage as well. If you are looking for GMAC Mortgage Financing or for a National City Mortgage from National City Bank. At 123 Refi we guarantee that you'll...Beat The Banks!

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Find Out How To Beat The Banks - Read Below For Details...
Wells Fargo Home Mortgage

Beat A Greenpoint 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...