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We worked with Les Pruitt for our first home purchase. He is very knowledgeable, responsive, and patient - a great combo of the exact traits we were looking for in a loan officer. He walked us through the entire process thoroughly and was available for questions via phone and text any day, any time. Thank you Les!
- Eric Kim
Refinance Loans
Leverage the loan at your fingertips. Use it to pay off cards, cash or reduce payments.
Significance of Selecting Refinance Loan
Whether you are looking to lower your interest rate, take equity from your property, or shorten your mortgage term, we work with conventional, FHA, VA, and USDA loans.
HARP Loans
If you have low equity, then it’s not a problem to go with refinancing by using this program.
Illustrating The Program
If you have little to no equity in your home, it can be challenging to refinance. The HARP program is here to help you to refinance into more affordable mortgages without new or additional mortgage insurance. HARP targets borrowers with loan-to-value (LTV) ratios equal to or greater than 80 percent, and who have limited delinquencies over the 12 months before refinancing.
Through HARP...
- You can lower your interest rate (which means less out-of-pocket costs each month)
- Get a shorter loan term
- Change from an adjustable to a fixed-rate mortgage
When Mortgage Value Is More
For homeowners who owe as much or more on your mortgage than your home is worth, the HARP program gives hope. You can benefit from this program, if you have little or no equity in your home.
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