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Refinance Mortgage

TAKE ADVANTAGE OF LOW MORTGAGE RATES!



	Loan Resources This free site has been designed to help people find the best loan available. We are not a broker or lender and have put together this information to simplify finding the best mortgage rate for a refinance mortgage.

	Refinance Mortgages (Good Credit) Find the perfect refinance mortgage loan with the lowest mortgage rates in your state. Select from fixed or adjustable rates.

	Refinance Mortgages (Less Than Perfect Credit) If you have damaged credit click here to see "subprime" purchase and refinance lenders and brokers.

	Home Improvement Loans Make home improvements with a refinance home loan. Add room additions, a bathroom, yard remodeling, etc.

	Debt Consolidation Use your home's equity to consolidate your debts into one easy payment.

	125% No Equity Loans with up to 125% of your home's worth. So now convert your home's equity into fast cash, regardless of your credit.

Find the BEST Refinance Loan in Seconds!

Lenders and Bokers Seeking Mortgage Leads
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Home Equity Rate Tip

If a lender says, "Don't Count on Your Home Equity Rate Lock" when Rates Are Rising, Run!!!

Here's why... sometimes lenders will actually hold up your mortgage application if it means you'll have to pay a higher rate. In 1993, the Federal Trade Commission charged Lomas Mortgage USA, one of the nation's largest mortgage lenders, with falsely promising borrowers that it would unconditionally lock in the rate and discount points for 60 days. In fact, in many instances Lomas levied higher rates and more points within the 60-day period, the Commission charged. The Dallas lender settled with the FTC in July, 1993, and agreed to pay $300,000 in so-called "consumer redress."

"It's the lender who has control over how quickly the paperwork gets done," notes Michelle Meier, a lawyer with the Washington activist group Consumers Union. "And there are always all kinds of reasons why that locked-in rate is unavailable by the time they get to closing."

As interest rates rise, so do mortgage rate-lock complaints. Patricia Cunningham, Consumer Affairs Manager at the Illinois Office of Banks and Real Estate, says that in 1994, when interest rates were high, more than 600 mortgage rate-lock complaints came in. In 1995, when interest rates fell, so did the number of complaints -- by half. In 1996, with interest rates back up again, the number of mortgage complaints also rebounded.

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