Special programs
The 10-, 15-, 20-year Mortgage
  • The 10-, 15-, 20-year mortgages involve a fixed interest rate that is a lower than a 30-year mortgage and a monthly payment that is higher.
  • To see a faster increase in equity over the life of your loan and to save money on your mortgage in long run, go for a 15 or 10-year fixed rate mortgage loan: if you can afford it.
  • Saving a few fractions of a point on your interest rate can save you a tremendous amount of money on your mortgage.
  • We are here to help you compare various options so you can choose what is right for you.
  • Online pre-qualification is free and there's no obligations.
    The 1.25% Mortgage
  • It is one of the most popular options among the real estate investors. It is an adjustable loan and the rate changes monthly, but the payments are preset for 5 years.
  • The idea of low intro rate mortgage is simple and powerful: it is all about cash flow. On a typical $200,000 mortgage, you could save $500 a month.
  • If you're a disciplined investor, good with money, a bit of a risk-taker and not buying more house than you can handle, 1.25% mortgage or an interest-only loan could work for you.

    We're here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • The 30-year Fixed Rate Mortgage
  • The most common mortgage program in US. With a 30-year mortgage, you get low monthly payments. With a 15- or 20-year mortgage, your monthly payments will be higher, but the amount of interest you'll pay over the life of the loan will be lower.
  • With 40-year fixed-rate mortgage your monthly payments are lower, however, rates on a 40-year fixed are often 1/4 to 1/2 of a percentage point higher than on a 30-year.
  • To decide which type of mortgage is best for you, there are a variety of factors to consider. We're here to help you to compare various options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.
  • The 40-year Loan vs. Interest Only
  • The advantage of a 40-year fixed-rate mortgage is making monthly payments more affordable without taking on the risk of an adjustable rate. However, rates on a 40-year fixed are often 1/4 to 1/2 of a percentage point higher than on a 30-year fixed-rate mortgage.
  • If you're a disciplined investor, good with money, a bit of a risk-taker and not buying more house than you can handle, an Interest-only loan could work for you. If you're not all of those things, you probably want to stick to a more plain-vanilla 40 or 30-year mortgage.
  • We're here to help you to compare various options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.
  • Adjustable Rate Mortgages
    ARM loans such as 3/1, 5/1, 7/1, LIBOR, MTA, COFI, Interest Only are offered at lower initial interest rates than fixed-rate loans. However, the rate may increase over the life of the loan, which means that you would end up paying more.
  • Federal law requires that you receive a detailed ARM loan disclosure before you make a decision.
  • If you're a short term investor, money-savvy, a bit of a risk-taker, ARM could work for you. If you're not all of those, you probably want to stick to a fixed 30 or 40-year loan.
  • We're here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.
  • Programs to Stop Foreclosure

    If you have a pending foreclosure the first thing you must do is to stop the proceedings: call 888-391-STOP
    (888-391-7867) to speak with an attorney RIGHT NOW. Even if your foreclosure is 48 hours away, the attorneys we have partnered can still stop it! Your consultation with the attorney is completely FREE, with no obligation to continue with services.

    If you feel as though your mortgage situation is getting out of control but not as urgent as immediate foreclosure, you may want to consider Government supported loan modification, HARP, a short sale, or hard money loans. If there is equity in your home you may even consider a home equity loan.

    Whatever your case may be you need to act now to stop foreclosure! Take a moment to explore your options.
    Closing Costs Comparison

    Comparing closing costs isn't as easy as it sounds. Lenders and brokers charge all kinds of fees giving them a wide variety of names. One might say that it doesn't charge an "application fee", but it makes that up by charging a "commitment" fee or "doc prep" fee at closing.

    Don't rely on what your being told before see your real Good Faith Estimate faxed or mailed! And don't accept a lender's "that's just the way it is" answer when asking why your good faith estimate shows $5,000 in assorted fees for a $100,000 mortgage.

    Compare offers and know your REAL Closing Costs in 24 hours. Online pre-qualification is free and there's no obligations.
    Construction Loans

    We work with the largest and the most competitive construction mortgage lenders. Participating lenders offer programs:

  • Owner-builder programs
  • Permanent financing
  • Construction-to-permanent loans
  • Remodeling loans
  • Lot purchase
  • Partially completed homes
  • 100% construction financing
  • No payments during construction

    We're here to help you to compare various options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Debt Consolidation

    Credit card interest rates have skyrocketed while mortgage rates have remained at an all time low. Is your debt situation getting out of control? Consider the benefits of debt consolidation.

  • There are programs that allow you to clear up debt while enjoying tax benefits.
  • Options include Interest only and adjustable rate loans that drastically reduce your monthly payments while you're getting back on track.

    We are here to help you compare various options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • FHA & Low-Down payment Loans
    We work with FHA-approved lenders allowing Low-Down payment home purchase. Our partners offer:
  • $100 down payments on HUD Homes with FHA-insured financing
  • FHA loans, impaired credit
  • First time home buying programs
  • Government-supported programs
  • Creative financing for a purchase, refinance, debt consolidation
  • 1.25% ARM and Interest-only loans that allow you to cut your monthly mortgage payments when you need it
  • 10+ years of experience helping borrowers with challenged credit

    We're here to help you to compare various options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Buying a Foreclosure Home?
    Today in the US about 1% of all residential properties are already in, or facing foreclosure soon.

  • With over 1 million homes being foreclosed on at any given time, opportunities for investing in real estate are tremendous.
  • We will refer you to a fast-track lenders providing foreclosure buying financing
  • Combine our free service with your own investment plan, and you get a winning strategy to build real wealth.

    Compare offers and find a lender for your foreclosure-investment in 24 hours.
    Online pre-qualification is free and there's no obligations.

  • HAMP Refinance Program

    If you struggle to make mortgage payments but NOT unemployed, you may be eligible for the Home Affordable Modification Program that lowers your mortgage payment to 31% of your monthly income. If your lender is participating in HAMP, your application still may be declined if your income is too low or too high. To find out your HAMP eligibility and to hear about programs like HARP, use our application form or call 855-35-QUOTE (855-357-8683) to speak to a loan officer.

    If you are not HAMP or HARP eligible, it is important to know your rights, options and make a plan to keep your house. We have partnered with some of the nation's top law firms that negotiate with lenders on your behalf. You may be able to reduce your mortgage interest rate, mortgage balance, monthly payments and even stop foreclosure immediately. Call 888-391-STOP (888-391-7867) for a FREE consultation.

    Lower Your Mortgage Payment

    If you struggle to make mortgage payments but NOT unemployed, you may be eligible for the Home Affordable Modification Program that lowers your mortgage payment to 31% of your monthly income. If your lender is participating in HAMP, your application still may be declined if your income is too low or too high. To find out your HAMP eligibility and to hear about other programs like HARP, use our application form or call 877-386-2636.

    If you are not HAMP or HARP eligible, it is important to know your rights, options and make a plan to keep your house. We have partnered with some of the nation's top law firms that negotiate with lenders on your behalf. You may be able to reduce your mortgage interest rate, mortgage balance, monthly payments and even stop foreclosure immediately. Call 877-386-2636 for a FREE consultation.

    HARP Refinance Program

    If you owe more than your home is worth and your loan is through Fannie Mae or Freddie Mac, you may be eligible for the government's Home Affordable Refinance Program. The HARP allows you to refinance at today's low rate as long as you have no recent late mortgage payments. To find out if your loan is HARP eligible and to learn about other foreclosure loan modification programs like HAMP, use our application form or call 855-35-QUOTE (855-357-8683) to speak to a loan officer.

    If you are not HARP eligible, it is important to know your rights, options and make a plan to keep your house. We have partnered with some of the nation's top law firms that negotiate with lenders on your behalf. Call 888-391-STOP (888-391-7867) for a FREE consultation. You may be able to reduce your mortgage interest rate, mortgage balance, monthly payments and even stop foreclosure immediately.

    Refinance Upside Down Mortgage

    If you owe more than your home is worth and your loan is through Fannie Mae or Freddie Mac, you may be eligible for the government's Home Affordable Refinance Program. The HARP allows you to refinance at today's low rate as long as you have no recent late mortgage payments. To find out if your loan is HARP eligible and to learn about refinance programs like HAMP, use our application form or call 877-386-2636.

    If you are not HARP eligible, it is important to know your rights, options and make a plan to keep your house. We have partnered with some of the nation's top law firms that negotiate with lenders on your behalf. You may be able to reduce your mortgage interest rate, mortgage balance, monthly payments and even stop foreclosure immediately. Call 877-386-2636 for a FREE consultation!

    Home Improvement Loans
    Adding a room, wing, or floor to existing home might be a major undertaking, but it can also be a fulfilling experience, especially if financing fits your needs.
  • Looking to buy a fixer-upper?
  • Love your home but it isn't working well for you?
  • Need to finance home addition?
  • Looking for a lenders that will lend off of what the house will be worth when completed?

    Second mortgage, Refinancing, Line of credit, ARM, Construction-to-permanent: this is just a part of options available. We're here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Interest-Only Mortgage
    With an interest-only mortgage, you only pay back the interest on their mortgage each month.
  • The loan does not have to be repaid until the end of the mortgage term, usually 5 or 10 years
  • The monthly payment is lower than that for a fully amortized loan
  • Since the payments are all interest, they're 100% tax-deductible
  • If you're a short term investor, money-savvy, a bit of a risk-taker, Interest-only loan could work for you.

    We're here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Jumbo Mortgage
    Jumbo mortgage has an amount above conforming loan limits, and average interest rates are typically greater.
  • As of 2010, the limit is $417,000 for most of the US, apart from AK, HI, and 14 counties in CA, where the limit is $625,500.
  • To avoid paying 1/4-1/2 extra points, you may take out two loans - one as a first mortgage for the bulk of the money, plus a small second mortgage.
  • Our participating lenders specialize in Jumbo loans up to $3 Million.

    We're here to help you to compare Jumbo mortgage options.
    Online pre-qualification is free and there's no obligations.

  • LIBOR index mortgages
  • LIBOR programs are highly popular given the interest rate environment.
  • Start rates can be as low as 1.375% on a six month LIBOR loan!
  • LIBOR loans are offered by a small fraction of lenders in US and it is imperative you consult with a professional before making a decision. Our participating lenders offering LIBOR loans will be happy to assist you.

    We're here to help you to compare LIBOR mortgage options.
    Online pre-qualification is free and there's no obligations.

  • Multifamily & Mixed-Use Mortgages
    Multi Family interest rates are typically greater than for conforming mortgages, and vary depending on property types and mortgage amount. Our participating lenders specilize in:
  • 4+ units residential properties
  • Apartment buildings
  • Fixer-upper multifamily financing
  • Mixed use properties
  • Jumbo mortgages
  • Commercial properties

    We will match you with lenders providing loan options with a range of terms to accommodate immediate and long-range financial goals. Compare offers so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • No PMI 80/20 Financing
    Along with FHA-approved lenders we work with lenders allowing No-downpayment home purchase. Our partners offer:
  • 10+ years of experience helping poor credit borrowers
  • 80/20 loans - a way to provide creative financing in a purchase, refinance, home improvement, or debt consolidation transaction.
  • When buying a home, a smaller second mortgage is frequently used in combination with a first one to avoid paying Private Mortgage Insurance or PMI. The first mortgage is always set at 80% of your purchase price.

    We are here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Looking to buy a Home?

    We work with lenders allowing the transaction with an LTV up to 100% and with brokers with over 10 Years of experience helping bad credit home buyers. Our partners offer:
  • FHA loans, any credit scores.
  • Government-supported first time home buyer programs.
  • 80/20 (no PMI) loans, a creative financing for a purchase, refinance, home improvement, or debt consolidation.
  • Programs like ARM or Interest Only Loans that allow you to cut your mortgage payments when you need it.

  • We're here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.
    Looking to Refinance?
    We work with creative lenders allowing the transaction with LTV up to 100% and with brokers with over 10 Years of experience of bad credit refinancing. Our partners offer:
  • FHA loans, any credit scores.
  • Government-supported loan modification.
  • 80/20 (piggyback) loans, a creative financing for a purchase, refinance, or debt consolidation.
  • Programs like 1.25% COFI or Interest Only Loans that allow you to cut your mortgage payments when you need it.
  • We're here to help you to compare various options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

    Second & Vacation Homes Financicing
    Looking for an invesment or a place to get away? Getting a second home mortgage is going to be a little bit harder to do in this economy.
  • The real estate prices in coastal towns, mountains and other vacation spots already took a hit and most likely will not fall further as the economy rebound.
  • Because lenders typically view second homes as a higher risk, you need to compare competitive offers to avoid paying higher interest rate, see higher fees and be required to hand over a larger down payment.

    We are here to help you to compare options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Refinance and Stop Foreclosure in California

    We have partnered with some of California best lenders that refinance problem mortgages as well as with top law firms that negotiate with lenders on your behalf. Use our application form or call 877-386-2636 for a FREE consultation.

    You may be able to reduce your mortgage interest rate, mortgage balance, monthly payments and stop foreclosure immediately.

    If you are in California and struggle to make mortgage payments, or your refinance was turned down, you may be eligible for the government supported HAMP program. For upside down mortgages, HARP program may reduce your payments to 31% of your monthly income. Even if you are not HAMP or HARP eligible, it is important to know your rights, options and make a plan to keep your house. Call 877-386-2636 Now!

    VA Mortgage Loans
    U.S. Department of Veterans Affairs guaranties mortgages for veterans and service persons. The Department does not make loans, you should locate a lender to obtain a VA loan. Our participating lenders offer:
  • Loans with the maximum 25% guaranty of the 2010 VA Limit.
  • Maximun VA limit loans: $460.000 - $1,094,625 depending on property's State and County.
  • No down payment is required.

    We are here to help you to compare VA loan options so you can choose on what is right for you.
    Online pre-qualification is free and there's no obligations.

  • Find the best mortgage rate
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    Current Mortgage Rates
    24-Apr-2014
    30 Yr Fixed Rate 4.27%
    15 Yr Fixed Rate 3.33%
    Mortgage Indexes
    5/1 ARM 3.37%
    3/1 ARM 3.04%
    CODI 0.0%
    COSI 0.91%
    12 MTA 0.124%
    COFI 11th District 0.709%
    COFI Federal 0.943%
    12 Month LIBOR (USD) 0.548%
    1 Year CMT 0.11%
    Market Indexes
    WSJ Prime Rate 3.25%
    Federal Funds 0.25%
    30 Year Treasury 3.49%
    Mortgage help hotline
    Home Loans: 855-35-QUOTE
    Stop Foreclosure: 888-391-STOP
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    What we do
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    Home Loans: 855-35-QUOTE
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    (888-391-7867)

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