You probably have reasons to refinance your mortgage.
Refinance options available for you:
1) Fixed-rate refinance loan
Set interest rate for the life of the loan
Your monthly payments of principal and interest remain the same for the life of the loan
Lower or keep the same term of your mortgage loan
2) Adjustable-rate refinance loan
Interest rate may change periodically during the loan term
Your monthly payment may increase or decrease based on interest rate changes
3) FHA and VA refinance loans
4) Cash-out refinance loan
If you have available home equity, you could get cash when you close your refinance loan
Fixed-rate and adjustable-rate options available
Cash-out refinance pays off your existing first mortgage. This results in a new mortgage loan which may have different terms than your original loan (meaning you may have a different type of loan and/or a different interest rate as well as a longer or shorter time period for paying off your loan). It will result in a new payment amortization schedule, which shows the monthly payments you need to make in order to pay off the mortgage principal and interest by the end of the loan term.
II) How do you receive your Cash-out refinance funds?
The Cash-out refinance gives you a lump sum when you close your refinance loan. The loan proceeds are first used to pay off your existing mortgage(s), including closing costs and any prepaid items (for example real estate taxes or homeowners insurance); any remaining funds are yours to use as you wish.
III) No Income Verification or Poor Credit?
If your are self-employed, retired or have recent credit issues, a Portfolio Mortgage program may fit your refinance needs.
We have a No Contact mortgage process where you can apply online. Electronic signatures (E-Sign) used for your application and disclosures. Elect to go Doc-Less, no need to collect your paystubs, bank statements or tax returns. You can even close your mortgage refinance from the convenience of home without a closing agent!
Call us today at 800-327-0123 to discuss your loan needs or apply online using our Secured Application. Or complete our mortgage inquiry form.
We've been helping customers afford the home of their dreams for many years and we love what we do. Option to close electronically from the safety of your home, anytime, anywhere.
Company NMLS: 26454
www.nmlsconsumeraccess.org Trustpilot
818 US Highway 202/206
Bridgewater, New Jersey 08807-1704
Call us today: 800-327-0123
info@goldmortgage.com
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