Apply Online          

     



Option Arm Manage your Mortgage!



Construction/Perm

Interest Only Mortgage


No Doc


Real Estate Investor


Refinance






















Residential Refinance Mortgage Loans

Welcome to the residential refinance mortgage loan center!

Low cost ways to a lower mortgage payment

The Residential Refinance Mortgage loan Center is designed to save you money. I have extensive experience with mortgage refinancing and have reduced the paperwork and cost when refinancing. Compare loans by getting a written Good Faith Estimate of Closing Costs comparing fees and rates before you apply! I offer zero point mortgage refinance loans with no origination fees and "no cost" mortgage refinancing programs to save money.

Why consider mortgage refinancing?

1) Lower your payment

 2) Debt consolidation

 3) Pay off your mortgage early

 4) Take cash out for any purpose.

I also offer  No Documentation Loans for individuals with non traditional asset or income situations.

Learn about "No Cost Refinance" options.

Find out more about Streamline Refinancing for your FHA or VA or Conventional loan.

More about eliminating PMI when refinancing.

Calculate your "Payback Period"  to verify refinancing makes sense in your specific situation.

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. Call or email me to discuss the specifics of your mortgage refinance goals.

Be sure to visit the Mortgage Library.

Request a Good Faith Estimate before you apply

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

* 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.

The new Asset Manager is a creative HELOC which gives you complete control over your mortgage 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.

< Residential Refinance Mortgage LoansPrequalify for your Residential Refinance Mortgage Loans.

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.