Refinance Your Mortgage Today! 
POTENTIAL BENEFITS OF REFINANCING 

• Eliminate monthly PMI or to change loan products 
• Accelerate your equity and pay off your loan faster by reducing your term
• Increase your cash flow with a cash-out refinance program
• Pay off debt, make home improvements, help with school expenses or fund large purchases  
• Potentially lower your interest rate 

•  VA Refinance ​​
• FHA Refinance 
• Conventional Refinance
• Streamline Refinance 
• HARP 

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• Turn your homes equity into cash and you can borrow up to 100% of your homes value 
• No Private Mortgage Insurance (PMI) or Upfront Mortgage Insurance Premium (UMIP) required
• Fixed rate (payments stay the same through term)
• Max loan amounts determined by property location
• Loan Limits VA's Loan Limits are the same as the Federal Housing Finance Agency's limits.
• VA loans are more lenient with credit scores and negative credit 

• FHA loans can go to 85% of the current homes value for CASH out! 
• Relaxed credit guidelines 
• ​New larger Loan Limits see here for yours 

• Eliminate private mortgage insurance (PMI) or cancel FHA mortgage insurance (MIP)
• Convert your ARM into a FIXED rate mortgage 
• Turn your homes equity into cash and you can borrow up to 80% of your homes value 
• Shorten the term of your loan and save for retirement 
• Loan Limits ​
  

• You can "Streamline" your FHA, USDA, VA and some conventional loans to a lower rate and payment 
• No appraisal required 
• Some programs do not require a credit score (ask your loan officer for more details) 
• Ask about the HARP programs if you are underwater / over equity on your current home loan ​
• Loan Limits ​
  

Are YOU eligible?
See if you meet these basic eligibility requirements:

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• You are current on your mortgage, with no 30-day+ late payments in the last six months and no more than one in the past 12 months
• Your home is your primary residence, a 1-unit second home or a 1- to 4-unit investment property.
• Your loan is owned by Freddie Mac or Fannie Mae. You can use the Loan Look-up Tools below if you are unsure.
• Your loan was originated on or before May 31, 2009. By using the loan look-up tools below, this date will be made available to you.
• Your current loan-to-value (LTV) ratio must be greater than 80%. Calculate your LTV ratio with this tool.
• Find out if your home qualifies for HARP by clicking "HERE" now! 

WE’RE LICENSED MORTGAGE PROFESSIONALS, AND HOME TO SO MUCH MORE!

• Lower rates and cheaper costs & Zero Points
• Multiple loan products to choose from, not just two or three
• Closing in 30 days or less
• We specialize in purchase and refinance home loans

For your next home loan, work with someone who works on your behalf. Come home to the experts!