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Mortgages
USA Mortgage Finder was created to help the individual consumer to connect with the best potential lender for them.
The more accurate and detailed the information provided on the corresponding sign up form, the better USA Mortgage Finder can pair you with the best mortgage professional for you!
When filling in the mortgage form, please be as specific as possible as to which loan assistance most interests you.
Choose from:
Refinance
General category of mortgage assistance, typically to lower interest rates, monthly payments or payment term.
Refinance - Cash Out
A Mortgage refinance with the goal to gain the best rates / payment options while providing the consumer with cash in hand at the end of the transaction. The consumer borrows more money than they currently owe on their home, using the total value of their home as collateral. Many lenders have programs available that may allow borrowing of up to 125% of the total value of a consumer’s home.
Home Improvement
A cash-out type refinance where the funds made available are then directed into improving the overall condition and ultimate value of the home. Many lenders have special programs for this type of refinance, with more competitive rates than a simple "cash-out" program.
Debt Consolidation
Another cash-out type refinance where the funds made available are directed into paying off debts held by the consumer. Like "Home Improvement" loans, special programs and rates are available for this type of loan. Many brokers specialize in this type of program as well.
Second Mortgage
A loan borrowed against the total value of the home in addition to a current mortgage held by a consumer. Second mortgages typically have much higher interest rates, but can be more desirable when funds are needed and the current mortgage’s rates / payment options can not be improved upon. Good lenders / brokers will explore the better option to open a Second Mortgage, or refinance the current mortgage and give a recommendation as to which is more desirable to the consumer.
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