- If your mortgage loan is owned by Fannie Mae or Freddie Mac, you may be eligible for a Home Affordable Refinance to take advantage of lower interest rates. Only loans owned or guaranteed by Fannie Mae or Freddie Mac are eligible. Fill out the form to find out if you are qualified for the program or not.

- Late payments and delinquencies O.K. if caused by a Loan Reset on an adjustable mortgage

- Finance all costs, late fees, and deficient balances up to the standard MAX FHA loan limits per state

- Short Refinance allows existing lender to take a "short payoff" or create a "silent second" for the uncovered balance

- 96.5% & Half percent down Purchase and Rate/Term Refinance up to 125% - Must meet guidelines

- 85% Cash Out Refinances

- Automated and Manual Underwriting available

- No Credit Depth required

- 6% Seller Concessions allowed

- Non-Occupant Co-Borrowers are O.K.

- Payoff FHA or Non-FHA current mortgages