Fixed Rate Home Loans
Refinance Loan Options with Low Rates and Payments

Fixed rate home equity loans and refinance mortgages provide simple interest refinancing solutions with lower rates and monthly mortgage payments. Nationwide offers fixed rate refinancing for homeowners who need to lock in a mortgage rate that is affordable and makes sense for their financial direction. Borrowers can find peace of mind when securing revolving debt and adjustable rate loans with a fixed FHA home loan.

Both Home equity loans and FHA mortgage refinancing featuring a fixed interest rate have been the most sought after loans in 2008, and the industry insiders suggest that these low rate government mortgages may continue being popular through 2009 and 2010. This year we have noticed the resurgence of the fixed home equity loan, as many homeowners seek simple interest equity loan solutions for home remodeling and bill consolidation. The fixed home equity rates continue to lure consumers because the record low interest has become so attractive.

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Mortgage bankers recommend them to their clientele because the fixed rate offers a hedge against inflation. Our mortgage lenders offers fixed rate home equity loans and cash back FHA loans with various mortgage loan options for refinancing, consolidating debt and lowering monthly payments for increased.

When taking cash out, Nationwide recommends home equity loans or FHA refinancing with fixed interest rates when consumers need cash or simple rate and term home equity refinancing. We provide multiple home equity and second mortgage programs for homeowners who need to access money, but prefer not to pay off their existing mortgage in the process. Home equity loans have proven to be the most popular structure of secondary financing over the last decade and with fixed interest rates actually dropping below the adjustable rates, it's no wonder why the loan's popularity has soared. We strongly suggest you take advantage of these low rate home equity loans and refinance your home equity line of credit and convert the adjustable rate to fixed interest that have set payments for a specified term.

Fixed Rate Home Refinance Loans with Simple Interest Amortization

The Federal Reserve reported that Americans are lugging around thousands of dollars in credit card debt month to month, and fixed home equity loans offer homeowners the ability to convert their adjustable rate revolving debt into a fixed rate with lower monthly payments.

If you find yourself paying the bills each month and only covering the minimum interest then consider consolidating that debt to a simple interest 2nd mortgage that usually allows additional tax deductions as well.

  • 97% FHA Home Refinance Loans with Fixed Rates
  • Debt Consolidation with Fixed Rate Equity Loans
  • Stated Income Home equity Loans with Fixed Interest
  • Fixed Rate Home Equity Loan Refinancing

Whether you are making home improvements or consolidating high interest credit card debt, Nationwide offers many fixed rate solutions, that don't require you to refinance your first home loan.  We offer competitive second mortgages that will assist you in reducing your monthly expenses for big savings. Wouldn't you like to put more money in your pocket each month? Our home equity loan programs were created so people with less than perfect credit, can pay off debts, make improvements to their home, and offer access to additional funds for a multitude of reasons.

Refinance Adjustable Rate Debt and Lower Your Monthly Payments with a Fixed Home Loan that offer More Tax Deductibility
Loan Amount
Current Payments
Home Equity Payment*
Monthly Payment Savings
$30,000
$695
$262
$433
$50,000
$1,145
$436
$709
$80,000
$1,792
$699
$1,093
* This is a sample of refinanced credit debt to and assumes interest rate for the second mortgage at 9.5%.
Apply Now and find out how much you can save!

Should I Get a Home Equity Mortgage With a Fixed or Adjustable Rate?

The second mortgage choices of which kind of loan are easy. It really comes down to two home equity options: a fixed rate loan or an adjustable rate loan. Fixed rates are stable because the payment stays the same for the entire term. Home equity lines of credit feature an adjustable rate and offer a revolving line similar to a credit card. Fixed interest rates should always be chosen when borrowing money for a longer duration.

Before the rates get too high, Apply for a Fixed Rate Home Equity Loan. We offer free loan quotes, so complete the simple form and one of our experienced loan professionals will follow up with you shortly.

Fixed Rate FHA Mortgage Spotlight

FHA Home Loan with Fixed Interest Rate

FHA is a government insured loan option that does not require much equity. Borrowers can find 97% LTV rate and term or 85 -95% LTV for mortgage refinancing terms with cash out. (credit scores are not a factor, but mortgage history is critical) The FHA Secure loan was recently discontinued, but HUD just announced the Emergency Homeowner Loan that has been getting a lot of press from lenders and distressed homeowners.

Also see options for FHA Streamline Refinance and FHA Loans.

 

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