Mortgage Refinancing with No Costs in 50 States

Over the last ten years, fixed rate refinancing has been one of the back bones of the American economy. Homeowners use mortgage rate refinancing loans like an ATM to get cash with their property's home equity. Let us help you compare fixed rate mortgage refinancing with options that include, conforming, FHA, VA, subprime and hard money in all 50 states. Mortgage refinancing rates have fallen to record levels and borrowers who can qualify with the stricter home refinancing guidelines will reap the benefits. We recommend that you seize the opportunity to save money with our fixed mortgage loan refinancing programs that are designed to offer you protection and flexibility. The fixed home refinancing protects you against rate increases for thirty years and having no pre-payment penalty allows you to sell your home or refinance your mortgage anytime. We invite homeowners to compare no cost mortgage refinancing plans online without being charged any fees when applying or reviewing quotes.

 

Compare Fixed Mortgage Rate Refinancing Nationally

It is very rare that homeowners are content with the mortgage rate they get from their purchase loan. A few years ago the trend for financing was an 80% 1st and a 10 or 20% 2nd mortgage. These borrowers typically took out a 2-year ARM, so in most cases these borrowers need better home mortgage refinancing with fixed rate options.

  • Fixed Mortgage Rate Refinancing
  • Mortgage Refinancing with VA
  • FHA Streamline Refinancing
  • Cash Back Refinance Options
  • FHA Mortgage Refinancing
  • No Cost Mortgage Refinancing
  • Home Mortgage Rate Refinancing

Don't waste money and settle with a high rate loan, because Nationwide offers the best rate refinancing with borrowers of all types of credit. If you want the best home loan refinance in the country then you found the right lender. We'll help you find lenders that specialize in refinance loans for all types of borrowers.

Discounted Refinancing Rates for Conventional & Government Mortgages

FHA Home Refinancing to 95 or or 96.5%: Fixed refinance rates and fixed monthly payments for 15 or 30 year amortization schedules. Mortgage refinancing with FHA offers multiple programs including the rate and term refinancing is allowed to 96.5% with FHA. While borrowers who need cash out can refinance to 85% with FHA. Streamline refinancing requires less paperwork and in most cases the closing costs lending fees are less than traditional mortgages. The payment history in the last twelve months needs to be timely for these government loans. These fixed rates allow customers to lower their interest rate with a streamline loan and there is no pre-payment penalty.
---     Home Mortgage Refinancing up to $729,750 

Conventional Refinance Loans to 80 or 90%: These conforming loans are packaged to align with the guidelines set forth by Fannie Mae or Freddie Mac and they are typically sold on the secondary market. The conventional refinance loans are offered with hybrid ARM’s of 3/1, 5/1, 7/1, or 10/1 or with traditional 15 or 30-year fixed rate amortization schedules. Rate and term refinancing is typically maximizes the lowest possible interest rate. Homeowners who need cash out are typically charged .25 of a point to finance the extra money. Credit score, mortgage history and debt ratios are the most important factors to qualify for prime rate, "A paper" mortgage loans.
---     Conforming Home Refinancing from $417,000 to $729,750

Learn More About the Hottest Refinancing Programs in
Today’s Mortgage Market
30-Year Mortgage Refinancing Loans -
Millions of Americans have had their prayers answered with interest rates falling to the lowest point in the last century. Today’s 30-year mortgage refinancing rates stand at 3.5% with no points.
HARP 3.0 Mortgage Refinancing - Are you ready for the no equity refinancing with more flexibility than HARP 2.0 offers? Get ready for HARP 3.0 as Freddie Mac and Fannie Mae are rumored to be tinkering with another round of relief for underwater homeowners.
California Mortgage Refinance Loans - A high percentage of California borrowers have been struggling with negative equity so the Home Affordable Refinance Program has become very popular because there is no "loan to value" criteria for refinancing mortgages. With fixed rates hovering at 3.5%, this may be remembered as the era for cheap money. Mortgage Refinancing for Debt Consolidation -
One of the most significant advantages of being a homeowner is having the ability to consolidate debt when refinancing mortgages. Homeowners can lower the rate on the 1st lien and get more cash to consolidate revolving credit cards and unsecured loans that carry a high rate of interest.
Virginia Mortgage Refinancing with Bad Credit - Yes, Believe it or not there are homeowners in Virginia, Maryland and the DC area that have some credit issues. We provide fixed refinancing solutions for borrowers that have previously been turned down. Even if you have a past bankruptcy or foreclosure, there may be an option that reduced your payments. Refinancing 1st and 2nd Mortgage Loans -
Many borrowers bought their houses with two loans because the "80-20 loans" enabled them to avoid paying mortgage insurance. The problem is that the 2nd mortgages usually had adjustable interest rates that soared a few years after they bought the home. We can help you combine your 1st and 2nd together into one loan.
Bad Credit Refinancing for Adjustable Rate Loans A few years back, many consumers took out adjustable mortgages that now have high interest rates. Many of these subprime loans have steep pre-payment penalties or balloon notes that have made refinancing challenging to say the least No Point Mortgage Refinancing Loans - Today consumers are savvier and the demand for no cost mortgage refinancing has risen dramatically. Nationwide provides several opportunities for borrowers to achieve discounted loans. Both "no point" and "no fee" loans have becomes staples with our customers.

Home Mortgage Refinancing Rules for American Homeowners

When refinancing your home it is important that you follow some of these rules outlines by the Washington Post. According to recent reports, almost a third of all homeowners refinancing are doing so under the Home Affordable Refinance Program because they are stuck with negative equity in their homes.

  1. Will refinancing save you money?
  2. How many months will the new loan extend your re-payment?
  3. Will the refinancing cause your loan amount to rise?
  4. Are the lenders adding mortgage insurance to your loan?
  5. Is there a pre-payment penalty and what are the closing costs?

Read the original Washington Post article.

Mortgage Refinance Benefits - Reducing Monthly Payment Increases Savings

Lower Rates Equate to Lower Payments

Poor Credit Refinancing for Cash Back

Save Money by Consolidating Debt

Finance Cash for Home Remodeling

Lock into a 30-Year Fixed Rate Loan

100% VA Mortgage Refinancing

Refinancing Mortgages for All types of Credit

Combine 1st & 2nd Mortgages together

Past Bankruptcy Allowed (See lender for requirements)

No Cost Refinancing
Evaluate Your Home Refinancing Options

Which refinance loan is the best for you?
One important determining question to ask is...What is the purpose of the loan?

Learn more about loan refinancing offers and find the best solution for your needs and qualifications. Our educated loan officers and lenders understand the FHA requirements for refinancing and loan modifications. Depending upon your credit score, combined loan to value and debt to income ratio, we will recommend the refinance loan that makes the most financial sense for you today, as well as the long run. Choose mortgage refinancing programs from conventional, government, second mortgages and credit line terms. We suggest you find refinancing terms that are excellent and our mortgage lenders provide competitive rates are as low as you could find anywhere in the industry.

Resources: See the Federal Reserve's Guide to Mortgage Refinancing

Home Mortgage Refinancing Options Have Never Been Better!

Mortgage Refinancing Rates
Low Mortgage Refinancing Rates!

What are you waiting for? If you own a home and have an interest rate on your mortgage above 4%, then you are missing out on lower monthly payments that are available with mortgage refinancing. The fact is that fixed rates have never been lower for qualified borrowers seeking mortgage refinancing.

Getting approved for a low rate mortgage is less challenging this year, because banks and lenders have made an effort to ease the guidelines for refinancing. For example, the Home Affordable Refinance Program has been revamped and the "loan to value" restrictions have been removed. If you have the opportunity to save thousands of dollars a year with no cost mortgage refinancing, you must take advantage now.

Are Changes in Mortgage Industry Making Refinancing Easier?

Since the collapse of the subprime market, the government reached out with new laws to minimize long-term risks to the financial markets and the private sector. Dodd-Frank mandates that lenders use the updated forms.

The new "Good Faith Estimate" is a 3-page document that includes information in an effort to further explain finance terms to aid borrowers in better understand the mortgage refinancing plan they are considering.

  • What is the term of refinancing?
  • Does the rate have fixed interest amortization?
  • Is there a penalty for refinancing or selling the home prior to the term completing?
  • Is there a balloon payment?
  • What are the specifics of the refinancing closing costs?
Resource Tools

Best Time to Refinance
Most economists agree that now may be the best time for no cost mortgage refinancing.The record low interest and creative loan programs have presented many homeowners with a unique opportunity to reduce housing expenses with lower payments.

How to Refinance a Mortgage
If you need assistance getting through the loan process then you will enjoy the customer service at BD Nationwide.

Loan Comparison Calculator
This loan calculator helps borrowers evaluate the benefits of mortgage rate refinancing with a cost analysis.



When to Refinance a Home

Mortgage refinancing rates declined again, as the Federal Reserve cut key rates to 0% to stem the foreclosure crisis and help the ailing housing market recover sooner than later. Get the current mortgage rates and lock into a fixed rate mortgage that saves you thousands of dollars over the life of the loan.

Refinance Testimonials

"We were looking online for the lowest possible rate with NO B.S. We found BD Nationwide Mortgage and right away they helped us lock a good fixed rate while being refreshingly friendly. After the loan closed our monthly payments were $600 lower!"
The Grants

"Thanks to Nationwide we were able to get approved for a 3.5% fixed rate, even though our house was underwater. They helped us qualify for the HARP mortgage refinance and we are very happy."
The Sullivans


Nationwide On Facebook
Facebook

After being rejected several times in our attempts for mortgage refinancing, we were skeptical that we could get approved since we were underwater. Nationwide found us a government loan that approved us for mortgage refinancing with fixed terms below 4%!
- Phil L., Phoenix, AZ

We shopped online and compared a few lenders and decided to go with BD Nationwide. Our processor was very helpful and we locked into a loan with a fixed rate at 3.75! We will be refinancing with your company in the future because you took care of us. Thanks!
- James D, Tampa, FL

We searched for two year trying to find mortgage refinancing programs for people that have low credit scores and low and behold Nationwide rolls in with a solution that is saving us over $5k in the first 60 months of our loan. Thanks for everything!
- Lisa N., Phoenix, AZ


Home Mortgage Refinancing News

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Popular Mortgage Refinancing Products:
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BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024

Please note that this is not an advertisement for credit. Nothing on this site contains an offer to approve mortgage refinancing for any purpose with any specific terms. "Mortgage refinancing with no closing costs" is subject to lender approval and there is no guarantee that all borrowers will be approved. "no cost mortgage refinancing" refers to lender paid closing costs in which the borrower does not have to pay the third-party costs and lending fees because they are paid from the portion of the loan originator's compensation that is subject to the Dodd-Frank law. This is a web-site and home mortgage refinancing cannot be guaranteed. Rates are subject to change. BD Nationwide was affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright © 2001-2016 and Beyond, Nationwide Mortgage Loans - BDnationwidemortgage.com is a website and cannot make loans. All rights reserved. Rates and pricing is subject to change on loans for mortgage refinancing.