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Mortgage Refinance - FHA Home Loans - Fixed Rate Refinancing - 2nd Mortgages

Nationwide Mortgage Loans is a premiere mortgage lender offering exclusive low rate refinance, FHA home loans, fixed refinancing, second mortgages, home equity loans, VA refinance loans, bad credit lines and conforming rate loans for debt consolidation, cash out and new home financing. Our mortgage lenders maintain headquarters in California, but we have extended our prime, conventional, non-conforming, FHA, VA, subprime and home equity services to consumers nationwide. Homeowners can take advantage of discount interest rates offered to borrowers who want to refinance adjustable rate mortgages, high interest credit card debt or their variable home equity lines of credit into a tax deductible fixed rate loan.

As an experienced mortgage banker, we assembled a talented refinance team that continues to work over-time providing "outside of the box" first and second mortgage loans with options for all types of fixed rate loans with options for refinancing high interest revolving debts and loan consolidation. First time homebuyers are encouraged to consider our no equity home improvement products, like the 97% FHA refinance loan, 125% home equity loan and the "interest only" home equity credit lines to 100% of your home's value. If you are seeking to refinance your variable rate loans but have no income documentation issues, credit problems or no equity in your home, we encourage you to apply online because our lending guidelines continue to expand. While industry news sources continue to report that mortgage lenders are tightening home equity guidelines and even some banks are completely eliminating their cash out refinance products all together. According to Kevin Margulies, an IHE executive, "Now more than ever, homeowners should seek the expert advice from the 'Mortgage Loan Originators' at Nationwide."

If your home mortgage payment is about to adjust with the LIBOR, MTA, COFI, COSI, COSI, etc., then ask your loan officer about the new FHA Secure Refinance that was created to help homeowners secure an affordable fixed rate loan that helps them balance their budgets and maintain good credit scores. If you are behind on your mortgage payments, or late on credit card bills, consider refinancing with a FHA mortgage because they allow bad credit with cash out refinancing up to 95% loan to value. Get a No Cost FHA Refinance Loan Quote! Conforming, FHA and VA mortgage rates remain low, but most real estate analysts predict more rate hikes in the next few years. Take advantage of today's no equity loan programs for fixed rate refinancing to help you start realizing your financial dreams.

Refinance Loan Experts to
Finance Home Improvements
High LTV Mortgage Refinancing Leaders Conventional, VA, FHA, Home Equity

Our home equity lending team offers both traditional refinancing and conventional purchase mortgages, but our niche remains with cash out refinance loans and prime rate home equity lines of credit which are perfect for financing home improvements, swimming pool construction and consolidating adjustable rate debt in an effort to maximize savings.

Cash Out Home Equity Lines of Credit

Our lenders specialize in no equity refinancing with first and second mortgages, hard money loans and all types of non-conforming home refinance loans for homeowners nationwide. Maximize your home equity and get cash with reduced interest rates and affordable monthly payments.

Nationwide continues to be an industry leader for high LTV refinance and second mortgage loans that allow first time homebuyers to qualify for loans without having any equity in their home. Borrowers across the nation are lining up to lock in interest rates because they enable homeowners to realize significant savings and lower monthly payments.
 

Second Mortgage Brokers

Consider refinancing with a simple interest second mortgage or fixed rate FHA loan for securing bad credit debt consolidation and credit card refinance loans. The sub-prime lending rules have changed recently, but you may still qualify for a "no money down" home purchase loan.

10 Most Popular Home Refinance Loans

Nationwide Mortgage Loans offers a multitude of home refinance and equity loans to maintain a competitive edge.

1. FHA Refinancing Loans
2. Refinance Current ARM Rate Loans
3. Bad Credit FHA Mortgage Refinance
4. Low Rate Refinancing Loans
5. No Cost Mortgage Refinance
6. Home Equity Loan Refinancing
7. 125 Home Equity Loan
8. Jumbo Mortgage Refinance
9. Home Equity Debt Consolidation
10. Military Home Refinancing with VA

Fixed Rate Home Equity Loans

Top 10 Rated Mortgage Loans for Refinancing

Our refinance lenders offer over 100 different mortgage loan programs for refinancing, bill consolidation and home purchase.

1. Adjustable Rate Mortgage Refinance
2. FHA Mortgage Refinance
3. Fixed Rate Mortgage Refinance
4. FHA Streamline Refinance
5. Mortgage Refinancing & 2nd's
6. Debt Consolidation 2nd Mortgage
7. 125 Second Mortgage
8. Fixed Rate Home Equity Loans
9. California Second Mortgage
10. Rate and Term Refinance

Second Mortgage

Free Financing Guides & Consumer Reports
Take advantage of our free guides and disclosures that help 1st time homebuyers.
Home Equity Credit Line Fed Tips
Home Purchase Guide
Understanding Credit Scores
Adjustable Rate Mortgage- Guide
Consumer Guide Mortgage Rate Locks

Additional Forms & Loan Disclosures->

FHA Home Loans
Professional Advice From Loan Experts

The featured articles below were written by industry experts in an effort to better equip homeowners for home financing endeavors.

California Short Sale - Avoid Foreclosure
Interest Only Mortgage Loans
Conventional Home Mortgage Lending
Debt Consolidation Loans with Simple Interest
Combining 1st & 2nd Mortgages Together
Refinancing Adjustable Rate Credit Card Debt
Fixed Rate Mortgages
More Helpful Loan Articles-->

Second Mortgage Rates

About Nationwide Mortgage Loans

• Since 2001, Nationwide has brokered nearly $1 Billion in home equity loans. Our lending experience and knowledge continues to help consumers find solutions for complex financing problems at a competitive interest rate.

• The Nationwide Mortgage Lending Commitment provides "out of the box" loan products that help homeowners consolidate debt, lower their payments and maximize savings.

Fixed Rate Mortgage Refinance Loans

• Nationwide meets the growing demand of fixed rate refinancing for borrowers with rising adjustable rate mortgage payments. Many homeowners have fair or poor credit due to not being able to afford the variable rate of their 1st or 2nd mortgage.

• We'll help you find fixed rate solutions even if your credit score is low. We offer sub-prime mortgage products and FHA home loans. We help homeowners find a lower, more affordable mortgage payment.

Mortgage Calculators
Mortgage Refinancing Calculator - Analyze the benefits of refinancing. Calculate the monthly payment while displaying the net savings.
Debt Investment Calculator - Understand how much interest you can save by paying off debt.
Loan Comparison Calculator - Compare the total mortgage interest of 4 types of loans.

According to the Wall Street Journal, "Consolidating compounding interest debt into a fixed rate simple interest loan can save you thousands of dollars a year."

"I got a mortgage refinance loan that made my credit card debt disappear and I was still able to get cash in my hand. Thanks for your help!" J. Thompson

If you have had trouble getting approved in the past because of a past bankruptcy or low credit score, our FHA mortgage loans provide a new opportunity for refinancing.

Our mortgage lenders offer conventional, sub-prime, FHA, VA and non-conforming mortgage loans to help people consolidate debt and reduce loan payments.

Loan Calculators

Company Press Releases
Home Equity Loan Broker Awarded Preferred Mortgage Broker Status for Second Consecutive Year from IHE

2nd Mortgage Requiring NO Appraisal for Loans to 125%

Compatible 2nd Mortgages Behind "Pick a Payment Loans"
Convertible Home Equity Line of Credit with a Fixed Rates
More Press Releases ->
Frequently Asked Mortgage Refinance Questions
Mortgage Blog with new insight every day about home loans.
Podcast: Financing Talk
"Refinancing with FHA Mortgage Loans Regardless of Credit"

Press Play To Hear Podcast


Listen to New Podcast
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Latest Mortgage News & Loan Articles

Refinance Guidelines

Secure FHA Loans

97% Mortgage Refinance Loans

Exclusive mortgage refinance options that require less equity

 

Copyright © 2001-2008, Nationwide Mortgage Loans. All rights reserved. Do not duplicate in any form.

Cash Out Refinancing
Home Mortgage Loans
Sub-Prime Mortgages
Creative Home Financing
Low Rate Home Mortgage Refinance FHA Mortgage Loan FHA Home Refinancing with Bad Credit Negative Amortization Home Loans
Credit Card Debt Consolidation VA Home Mortgage Loans Mortgage Refinance Bankruptcy Million Dollar Jumbo Home Loans
Home Refinance Loans 100% VA Mortgage Loans Bad Credit Mortgages Combo Mortgage Loan Refinancing
Fixed Rate Mortgage Consolidation Zero Down Home Loan Poor Credit Home Equity Loans Government Mortgage Refinance with FHA
California Mortgage Refinance Loans FHA First Time Homebuyer Loans FHA Secure Home Refinancing Option ARM Mortgage Refinance
95% Cash Out Refinance Loans Fixed Rate Home Refinance Loans Fair Credit FHA Mortgage Refinancing 100 Percent Refinance Loans

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Home loans will be made or arranged pursuant to lending laws for mortgage bankers. Nationwide Mortgage Loans is affiliated with a federally chartered bank. This is not an offer to enter into a financing agreement; California Department of Real Estate for CA Mortgage Lender; Colorado Supervised Mortgage Lender License; FL State Florida Mortgage Lender; MD Maryland Mortgage Lender; Registered in Michigan as Second Mortgage Broker; Utah Consumer Credit Notification, Home Equity Loan License; WA Washington Mortgage Broker; Loan Products and services offered may not be available to residents in certain states. State restrictions may apply. For updated licensing info please mail request to Nationwide Mortgage Loans, 515 Encinitas Blvd ste 100, Encinitas CA 92024 For Adjustable rate mortgage loans APR calculations are based from the index and Lender based margins. All loan programs are subject to lending & underwriting approval. Unfortunately, not all home loan applicants will be approved.

"No fees prior to closing" means that Nationwide Mortgage Loans does not charge up-front fees for a loan application. No Hidden Fees means that Nationwide Mortgage Loans will disclose any and all fees associated with a loan transaction. Interest Rate Locks are not allowed on the following lien/loan types in the noted states: On 1st lien loans, interest rate locks are not permitted in Alaska, Colorado, Connecticut, Nebraska, and Virginia. 1st and Second Mortgage Rate locks are not permitted on any loans in Georgia, Maine, Massachusetts, and New Hampshire. Terms of the Standard Equity Line of Credit Program: Other Home Equity Limitations and Conditions: The Home Equity Line of Credit APR is based upon an Index value (the highest prime rate published in the Wall Street Journal Money Rates table) and is subject to change based upon a change in the Index rate. The APR is a variable interest rate and is subject to change daily. The APR will never be greater than 18%, or less than 6% or the initial rate whichever is greater. The maximum combined loan to value ratio is 125% for fixed rate FHA mortgage and home equity loans. Hazard and flood insurance must be in effect on the property securing the account. Borrower may be responsible for payment of state and local mortgage recording and transfer taxes. For specific purchase and refinance program requirements, disclosures and update licensing information for all 50 states, please contact Nationwide directly.