Refinance Options

What Type of Refinance is Right for Me or Should I Refinance My Home?
Lowest Rates in the Industry! 

Reasons to Refinance Your Home Loan:

1. 1.  To Lower Monthly payments:

 Are you refinancing primarily to lower your rate and monthly payments? Then your best option might be a low fixed-rate loan. Do you have Mortgage Insurance (MI) you pay monthly?  You might now have enough equity built up to drop the MI and lower your payments even without lower your rate that much.  .  We have many ways to lower your monthly payment.  Let us take a free look at your current mortgage statement and we can tell you in a few minutes if a refinance is good for you. 

 2.  Cash-Out for Bill Consolidation or Home Improvement, Divorce or other needs: 

This option is for those who have equity in their home and wish to convert it to pay off bills or Home improvement.  In order to be able to convert your equity you will need to equity in excess of 80% of the value of the home after the loan is complete.    You can take cash out up to 85% of the value of your home with a FHA Loan, up to 100% with a VA loan.

3.  Building Equity Refinance (Lowering the term of the Loan):

Do you want to build up home equity more quickly, and pay off your mortgage sooner? Consider refinancing with a shorter-term loan, such as a 10, 15-year or 20 year mortgage. Your payments will be higher than with a longer-term loan, but in exchange, you will pay substantially less interest and will build up equity more quickly. If you have had your current 30-year mortgage for a number of years and the loan balance is relatively low, you may be able to do this without increasing your monthly payment -- you may even be able to save! For example, let's say years ago you took out a  50,000.00 USD 30-year mortgage at eight percent. Your payment is about 367.00 USD, exclusive of taxes, insurance and so on. If your balance today is down to $30,000, you might take out a 15-year mortgage at four percent and have an almost identical or lower monthly payment. This is a great option for people whose main goal to build up equity and pay off their home more quickly.

4.  Lowering or Dropping your Mortgage Insurance Permanently:  

FHA lowered the monthly costs of mortgage insurance in January of 2015.  If you got a FHA loan prior to January 2015 you are entitled to refinance and lower your Mortgage insurance by .5%.  This has the same affect as getting a lower interest rate by .5%.  If you combine the lower mortgage insurance rate with a lower interest rate you could be saving hundreds of dollars a month on your mortgage payment.  If your house has gone up in value since you last financed it, you might be entitiled to drop your mortgage insurance which could also save hundreds of dollars a month on your payment.  

5.  Second Mortgages and Home Equity Lines of Credit (HELOC): 

         A second mortgage will allow you to keep the interest rate on your first mortgage and take cash out of the house.  You need to know that a HELOC loan will adjust to the prime rate so the monthly payments are not fixed and can move up or down (open-ended mortgage),  whereas a second mortgage that is closed-ended will not move up or down

The Costs to Refinance:
In most cases, we can refinance your home with no out-of-pocket costs.  We know that finances are tight, so we design your loan so you do not have to pay for any costs of the refinance out-of-pocket.  That said, if you wish to "buy your interest down" or pay points to get a lower rate, you are certainly welcome to do so and we can do the analysis for you for free.  This analysis is free and could save you thousands of dollars over the life of your loan.  We want your business and this is just one of the customer services we provide to you before you decide.  

Types of Refinances:
The different types of Refinance Programs are as follows, but please call us and let us to put the pieces of the puzzle together for you.  Click on the highlighted programs for more details:

1. Conventional Loan Standard Refinance

2. Conventional Loan Cash Out Refinance

3. FHA Streamline: No Appraisal or Employment Check Alert! FHA Reduces Monthly MI by .5% on 30 year loans!

4. FHA Rate Reduction

5. FHA Cash Out

6. VA Interest Rate Reduction Refinance Loan IRRRL; No Appraisal or Employment Check

7. VA Cash Out Refinance

8. VA Conversion Loan
9. Jumbo Loan Refinance
10. Private loan Refinance
11. Construction Take out loan.  Used to pay off a construction loan
12. Refinance to combine a First and Second Mortgage.

           14.  Home Equity Line of Credit (HELOC) or a second mortgage

Articles that might help (Click to View):
1. Home Improvement Tips and Tricks

keywords: refinancing options, starting a refinance, where to start refinancing a home, refi options, home loan refi options, what kind of refinances are out there, home loan refi, real estate refi, refinancing real estate, should i refinance my house, home loan refinance questions, best refinancing options, home loan ref options, options when refinancing a house, refinancing defined, refinance education, refinance options, refinance education, refinance information, refinance news, Rocklin ca refinance, refinance companies in Rocklin, Roseville refinance, Sacramento refinance, lincoln refinance, Sacramento home loan refinance, Roseville home loan refinance, Rocklin Home loan Refinance, refinancing your home help, refinance help, refinance bailout, options for refinancing a home loan, options for refinance, education for refinance, refi help, home loan fix, help for homeowners, home affordable refinance Roseville, home affordable refinance Rocklin, HARP Roseville, Harp Rocklin, Obama refinance program, Obama home loan,Obama home help, Obama's refinance program, Government refinance program, Government refinance help. government home help, Obama home refi, rfi Obama, government refinance programs, programs for refinancing a home, home loan refi programs, Save my house program, Refinance programs, underwater refinance programs, Obama underwater refi, Government home help, who does the harp loans, harp loans defined, harp for idiots, harp 101, Obama's harp, Affordable refinance programs, government affordable refinance programs, FHA refi, fha streamline loans, streamline refi, how to streamline refi, streamline FHA loans, Streamline refi help, no appraisal refinance, refi with no appraisal, streamline FHA, HARP streamline, Rocklin streamline Refi, Roseville streamline refi, Sacramento Streamline refi, FHA streamline Sacram;ento, FHA streamline Roseville, FHA streamline  Rocklin, FHA streamline Lincoln, Streamline refi help, streamline refinance education, HARP education, FHA refinance, Streamline lenders Rocklin, Streamline lenders Roseville, Streamline lenders Sacramento, harp lenders Sacramento, Harp lenders Roseville, Harp lenders Rocklin, Refinance a real estate loan, home refinance, house refinance, home refinance, va streamline, va interest rate reduction refi loan, refinance options, refinance now, dropping MI, dropping Mortgage insurance, types of refinances, loan type to refinance, what refinance should i do, mortgage refinance types, home loan refinance types, options to refinance a mortgage, how to refinance a mortgage, what options are there to refinancing a mortgage. Refinance information, refinance help, 2015 refinancing options, replacement loans, refinance central, new Obama refinance programs, costs to refinance, refinancing costs, no cost refinance, no closing cost refinance, Folsom ca refinance lenders, el dorado hills ca lenders, loan information, home loan information,l redoing a home loan, home loan refinance, mortgage refinance, mortgage redo, lower mortgage payment, lower interest rate, lower mortgage interest, mortgage reduction, California refinance programs, local refinance companies, refinance my house, paramount equity loans, paramount, paramount equity loans, parament equity loans, paramount, paramount home loans, paramount loans, paramount mortgage, paramount equity reviews, paramount mortgage, paramount lending reviews,paramount equity mortgage reviews, refinance with paramount mortgage, refi radio add, radio add for refinance,refinance radio commercial, loan options, how to refinance, mortgage refinance, refinance MI, VA automatic, Lenders that refinance home, refinance lender, Rocklin Refinance, Refinance lenders Sacramento, Sacramento area home loans, home loans Sacramento, mortgage options, mortgage refinance options, what are my option when refinancing my house, do I have refinancing options, is it time for me to refinance my home, who can help me refinance my house, Reasons to refinance your mortgage, why should I refinance my home loan, why should I refinance my mortgage , is it time to refinance my mortgage, what kind of refinancing option are there, Help with the right refinance loan, Home Loan options to reduce my payment, Reduce Mortgage payment, reduce Mortgage insurance, directory of Refinancing option, Mortgage refinancing options, Refinancing solutions, Mortgage Refinance directory, list of-of for refinancing a mortgage, types of refinance options for home loans, Reducing the term of my loan, Refinance options directory, directory or list of local refinance companies, Sacramento Refinancing options, Roseville Refinancing options, directory of refinance lenders in Sacramento, Directory of Refinance lenders in Roseville ca, local mortgage options, what types of refinances are out there, find me a local lender, home loan options for home owners, Option for a mortgage refinance, can I refinance my h0me, where do I start to refinance my home, refinancing and investment property, what options are there for refinancing my home home options, Refinancing options defined, Should I refinance my home, what is involved with refinancing my home, calculators to help with refinancing a mortgage, Is it the right time to refinance my home, what my options when refinancing my home, Advantages of Refinancing my home, Disadvantages of refinancing my home, cah out refinances, what is a cash out home loan, how to lower my payment in a rising interest rate environment, can I use the equity in my home to pay bills, free mortgage look, mortgage tools, mortgage help, rescue mortgage, government mortgage, housing programs, special housing programs, mortgage education, house options, options to buy a house, options to buy a home, options to refi a house, options to refinance my house, what happens when I refinance my home, what are my refinance options, Should I Refinance now or in the future, Refinance calculator. mortgage refi, mortgage reset, rest mortgage, refinance mortgage, mortgage stuff, what are my home loan options, #refioptions, #refinance, #loanrefi, #homeloanredo, #Refiloan, #lowestinterestrates, UWM refinance, Rocket mortgage Refinance, Carrington mortgage refinance, Well Fargo, American finance, America lending, USA home loans, Lennox home loans, No Brainer mortgage, Refinance choices, compare refinance loans, compare financing options, tricks to refinancing, Mortgage Refinance, Mortgage options, mortgage help, mortgage refi, is now a good time refinance, how to refinance my house, refinance a rental property, refinance a second home, HOw to take cash out of my house, 2nd mortgages, 2nd mortgage option, should I take a second on my house, pros and cons of a 2nd mortgage, HOme improvement loans, top refinance, cash out of house, google mortgage, google home loans, Zillow refi, , Reii time, when will it be good to refinance, is it a bad time to refinance, is it a good time to refinance, option for cash out of my house, how to get cah out of my house, how to get my equity out of my house, unlock my equity, options to cashing in my equity, pulling cash out of my home, cash out refinance