Apply Online          

     



Option Arm Manage your Mortgage!



Construction/Perm

Interest Only Mortgage


No Doc


Real Estate Investor


Refinance





















 

Refinance Mortgage Loan

Refinance Mortgage Loan origination is my specialty.

Before you make any decision on a refinance mortgage loan, a Refinance Mortgage Loan Certified Mortgage Planning Specialist can do a detailed comparison of different refinance mortgage loan options so you know you are making the right choice based on your specific circumstances. I offer zero point refinance mortgage loan with no origination fees to save you money.

I have extensive experience with refinance mortgage loan products and can reduce the paperwork and cost when doing a refinance mortgage loan.

Why consider a refinance mortgage loan?

1) Lower your mortgage payment by reducing your interest rate or converting to an Interest Only Mortgage.

2) Debt consolidation is often the primary reason many of my clients refinance their home mortgage loan. Make sure any debt you are carrying is "tax advantaged" mortgage debt rather than consumer debt. I can show you the right way to structure your individual debt situation.

3) Pay off your mortgage early by reducing your term from 30 years to 20 or even 15 year terms to time the mortgage payoff with retirement.

4) Take cash out for any purpose including debt consolidation or investments. As an active real estate investor myself, I have helped hundreds of my clients build their real estate portfolio and the initial down payment often comes from a home mortgage loan refinance.

5) Reduce interest rate risk in a rising rate market by converting your mortgage from an adjustable to a fixed rate loan. Or, see how converting from a fixed rate to and adjustable tied to the period of time you plan to be in the home can substantially improve your cash flow.

I also offer No Documentation Loans for individuals with non traditional asset, employment, or income situations. See the link below.

I am always happy to create a Good Faith Estimate before you apply or have your credit pulled.

I have helped many clients release equity from their home or investment property. One key to a secure financial future is keeping your assets working for you. Releasing equity by refinancing to make additional investments creates additional cash flow and asset growth. Working with your financial planner, I can help you see how releasing the equity in your home, with the proceeds invested for safety and liquidity can substantially improve your overall financial position. I can help you understand the tax implications of any mortgage refinance strategy. Call or email me to discuss the specifics of your mortgage refinance loan goals.

I have included a section on the new Cash Flow ARMS. A LIBOR or MTA based product which gives you complete flexibility in managing your mortgage.

Learn more about refinance mortgage loan closing costs.

If you already have an excellent rate on your first mortgage, I have extensive information available on home equity loans and a home equity line of credit as well

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

 Refinance Mortgage LoanPrequalify for Your Refinance Mortgage Loan.

ARMs   Home Equity    Interest Only Mortgage  Investor Loans  Jumbo  Mortgage Links   Reverse Mortgage  No Downpayment Loans   Refinance Center   Site Map  Vacation Home Loans   Commercial Loans Mortgage Home

Bob Gammache, CMPS
Certified Mortgage Planning Specialist

NEVER an Origination Fee!

Mortgage Market Guide a weekly analysis of the mortgage market

Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.