Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out). A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.

Another way to convert equity in your home to cash is a "home equity" loan. A "home equity" loan is an alternative to refinancing if your home loan has a very low rate compared to current interest rates or if you have a prepayment penalty on your loan.



As a loan originator, I understand how frustrated it is when people have to pay thousands of dollars just for closing cost. That's why I strive to provide zero cost mortgage products to all my clients.

No origination fees from lender.

No cost or charges from third parties such as title companies and apprasival company.

No "rolling closing cost into your mortgage."

Just simply free.



Your home mortgage is still underwater? Don't worry.

Our special refinance programs can cover you up to 150% of your current house value!

Our lenders have excellent HARP and DU program for underwater mortgage. As long as your mortgage is owned by Fannie Mae or Freddie Mac, you are qualified for our program. Please contact me for further detail.

Nick Noyes Architecture, Sea Ranch, CA
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