Refinance, Cash Out Refinance and Debt Consolidation In Wisconsin, Illinois, Minnesota and Florida

March 30, 2010 Freddie Mac Open Access Refinance (Freddie Mac to Freddie Mac refinance) (on our blog)
September 19, 2009 Fannie Mae Refinance Plus Program to 125% Rolls Out (on our blog)


DO YOU FEEL LIKE YOU'RE UP AGAINST A WALL?

Whether you are looking to refinance your current mortgage to obtain a lower rate, get out of your current adjustable rate mortgage and into a fixed rate, get cash out to add an addition, finish your basement, or to just payoff credit cards and other unwanted debt we have the right program for you:

Refinance your conforming, FHA, VA, jumbo, 1st and 2nd mortgage, cash out, conventional to FHA, 203k rehab for needed repairs and we will save you money and time.

Rate and Term Refinance:
Common reasons to refinance your current mortgage:

Lower your monthly mortgage payment to improve cash flow.
Switch from an Adjustable Rate Mortgage (ARM) to a fixed rate loan.
Eliminate Private Mortgage Insurance (PMI).
Payoff unwanted debt or back real estate taxes.
Refinance out of a construction loan.
Refinance out of a balloon mortgage.
Refinance up to 97% of the Appraised Value of your home (conventional).
Refinance your FHA loan to 97.75% or Cash Out to 85%.
Refinance your VA loan
Refinance into an FHA 203k rehab loan for needed repairs

Cash Out Refinance:
It's not too late to refinance. Illinois, Minnesota, Wisconsin and Florida mortgage rates are still low and equity continues to rise. With the extra money you can afford that something you've always dreamed of. Whether it's remodeling your home, paying off high interest credit cards, taking cash out to put down on a lot or another home, funding college education, purchasing a car or just having extra money. You use it as you need it. Our various loan programs will fit any borrower. Perfect credit, Less than perfect credit, hard-to-document income, collections are OK. We can make your dream a reality, call us today. Cash out refinances are limited to 85% loan to value which now includes FHA loans which recently changed to 85% from 95%.

Debt Consolidation Refinance:
We also have many clients who choose to pay off their high interest credit cards and other debts into one monthly payment. This can save you hundreds of dollars per month as well as the stress of having so many bills to come up with money for each month. The easiest way to deal with these debts is to refinance your current mortgage into a lower interest rate mortgage while paying off your unwanted debt. We can help you customize a plan that fits your needs.

If you want to make sure that your mortgage payments will always be affordable and that your house works for you, instead of the other way around, give us a call. We have access to the best rates and a full range of programs to suit any borrower's needs.

FHA Streamline Refinance (FHA to FHA)
VA Streamline Refinance IRRRL (VA to VA)

Mortgage Programs
100% Financing (No Money Down) Programs
First Time Home Buyer Mortgage Programs
My Community Mortgage
Government Loans including FHA, VA and Rural Housing
Refinance Programs

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Latest refinance blog posts:

Refinance your Wisconsin Mortgage
May 25, 2010

Put simply, refinancing means paying off your old mortgage with a new one. Most lenders require that you have some equity in your home before you refinance but there are still higher loan to value refinance programs available.

There are many reasons to refinance your Wisconsin mortgage. First, mortgage rates continue to be at historic lows and current rates may be lower than when you first got your mortgage. If the current rates are 1 percentage points below your current rate (or a savings of at least $100/month) , it might be time to refinance.

View our mortgage rates page to view current rates, updated daily!

You may also refinance if you want to trade in your adjustable rate mortgage for a fixed rate mortgage.

Our most popular Wisconsin refinance and purchase programs offered by us are listed below:

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Refinance Types: FHA, VA, USDA, Jumbo, Conventional
April 15, 2010

We offer a variety of refinance programs in Wisconsin, Illinois, Minnesota and Florida including rate and term refinance, cash out refinance, conventional/conforming refinance, VA refinance, FHA reverse mortgage, FHA 203k, FHA refinance, VA and FHA cash out refinance, jumbo refinance and much more

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FHA Refinance and FHA Purchase Mortgage Loans in Chicago
March 12, 2010

FHA mortgage loans in Chicago are available to anybody but are used most often by first time home buyers and low to moderate income buyers. FHA loans are insured through a combination of a small upfront mortgage insurance premium (UFMIP), as well as a small monthly mortgage insurance premium.

Chicago FHA loans have less-stringent borrower qualifications than many other mortgages and generally lower interest rates. They also offer significant value to consumers because the interest rates are low with fixed monthly payments and mortgage insurance is now tax deductible.

Refinance your FHA mortgage in Chicago up to 97.75% or cash out refinance up to 85%.

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Refinance in Wisconsin Illinois Minnesota Florida
February 26, 2010

When should you refinance your home?

Refinancing can be worthwhile, but it does not make good financial sense for everyone. A general rule of thumb is that refinancing becomes worth your while if the current interest rate on your mortgage is at least 1 percentage points higher than the prevailing market rate. That is a good rule but not always the determining factor.

There are several reasons to refinance your home:

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FHA, VA and Conventional Refinance
February 23, 2010

We offer refinance options in Wisconsin, Illinois, Minnesota and Florida on single family homes, duplexes, 2-4 unit properties, low and high rise condos, townhouse, 2nd homes, vacation properties, PUDS, and many others. Refinance now to get a lower rate, turn your adjustable into a fixed rate and get fast cash. Wisconsin refinance Loans are a great way to consolidate debt into one easy monthly payment.

Refinance loans are also available in major cities including Chicago, Minneapolis, Appleton, Fitchburg, Stoughton, Sun Prairie, Racine, Wausau, Green Bay, Milwaukee and Madison.

Our most popular refinance programs offered are listed below:

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Conventional, VA and FHA Loans Prequalify for a Purchase and Refinance
February 7, 2010

FHA allows single family homes, duplexes, 2-4 unit properties, low and high rise condos, townhouse, 2nd homes, PUDS, and many others. Refinance or purchase now to get a lower rate, turn your adjustable into a fixed rate and get fast cash. FHA refinance Loans are a great way to consolidate debt into one easy monthly payment.

Our most popular Wisconsin refinance and purchase programs offered for Germantown, Mequon, Sussex, Muskego, Milwaukee Wisconsin first time home buyer, VA, FHA, Refinance, No Money Down are listed below:

Conventional/Conforming, FHA and VA Refinance and purchase in Wisconsin:

Our FHA page

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Fannie Mae Refinance Plus Program to 125% Starting in Wisconsin
September 12, 2009

Beginning with DU update 7.1, which is slated for September 19th, Fannie Mae will start letting mortgage brokers/bankers process Refi Plus loans to 125%. With home values still declining this is great news. We have done a handful of Refi Plus loans to 105% and so far it has been quite successful.

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