Your Pathway to Home Ownership
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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 
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  • 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 ​
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  • 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:
​
  • 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!
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Equal Housing Lender | © 2021 Maryland Mutual Mortgage  | Company NMLS 790396 | NMLS Consumer Access | Privacy Notice |  Terms of Use |  About | Glossary 

​For complete loan program details please speak with a mortgage specialist. All programs, rates, terms and conditions are subject to change without notice. This is     not a commitment to lend. All loans are subject to credit and collateral approval. Some products may not be available in all states. All loans are offered through                                                                          Maryland Mutual Mortgage a division of Florida Capital Bank, N.A. Member FDIC NMLS ID 790396.
​                                                                                                                         © 2021 Maryland Mutual Mortgage

  • Home
  • BUYING
    • Apply Now
    • PROGRAMS
    • Programs Compared
    • Rates
    • Calculator
    • Rent vs Buy
    • Quick Quote
    • U.S. Market Update
  • REFINANCING
    • Apply Now
    • PROGRAMS
    • Rates
    • Calculator
    • Quick Quote
    • U.S. Market Update
  • Other Professionals
    • Realtors
    • Home Inspectors
    • Home Insurance
    • Title Companies
    • Home Improvement
    • Home Security
  • Contact & Reviews
    • Team
    • WHAT PEOPLE ARE SAYING ABOUT US
  • Apply Now & Other Info
    • Apply Now
    • Docs Needed
    • 6 THINGS NOT TO DO
    • Credit FAQs
    • Printable Forms