So You Want To Beat The Banks?

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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...

Bank of America

Washington Mutual

Countrywide

Wells Fargo

Greenpoint

Chase

New Century

GMAC

National City

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 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!

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...

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...

Mortgage Programs Explained...

Beat A Chase

Mortgage!
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.

Beat A New Century

Mortgage!
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!!!

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