Home Refinance Loans

Compare House Refinancing Programs from Competitive Mortgage Lenders Offering Great Fixed Rates on Traditional, FHA and Jumbos.

The housing sector is rebounding in part because of a home refinance mortgage boom driven by low rates and aggressive loan programs. The After a few turbulent years of tighter refinance guidelines, lenders are optimistic that banks are becoming more aggressive with the desire to approve more home refinance mortgages in the coming years.

Nationwide provides a wide variety of home refinance loans, such as FHA, VA, HARP, conventional and non-conforming and subprime programs. A home loan refinance can be a great avenue for homeowners to pull money out for tax deferred investments and bill consolidation. Compare 15 or 30-year home refinance loans that have fixed interest rates for the life of the loan. Talk to our lenders directly and enjoy your home refinancing experience online. Rates on home mortgage refinance loans have never been better, so get more info below and find out how much money we can save you.

Now is a great time to leverage your debt into a tax deductible home refinance loan that save you money now and even more when you file your tax returns. Nationwide provides premium fixed rate home mortgage refinance loans and affordable house refinancing for debt consolidation and getting cash in your hand.

Most home refinance programs are featuring the fixed rate option for 15 or 30-years. Homeowners can refinance their variable rate installment loans and adjustable rate credit with their existing mortgage for increased monthly savings

Once again home refinance mortgage rates fell to record low this year. The Mortgage Bankers Association reported a sharp rise in home refinance loan applications, so don't wait too long to get your loan in process. Leverage your debt into a tax deductible home refinance loan that save you money now and even more when you file your tax returns. Nationwide provides premium fixed rate home refinance loans and affordable refinancing programs for debt consolidation and getting cash in your hand.

No Cost Home Loan Refinance Options Available for Qualified Borrowers

Compare 15 or 30-year home refinance loans that have fixed interest rates for the life of the loan. Now is a great time to leverage your debt into a tax deductible home refinance loan that save you money now and even more when you file your tax returns. We provide a free online service that connects homeowners with lenders offering premium fixed rate home refinance loans and affordable home refinancing for debt consolidation and getting cash in your hand.

In an effort to stimulate refinancing business, BD Nationwide announced a new no cost home refinance incentive for borrowers with good credit scores. With most economists predicting that rates will rise soon, we recommend securing a loan that meets your financial goals. Whether you are interested in traditional, FHA or the HARP home refinance, we have no cost options for qualified borrowers.

Fixed Home Refinance Mortgage Loans Offer Security & Affordability

Affordable Home Refinance Loans
The Federal Housing Administration provides competitive fixed rate 30-year home refinance terms. FHA loans are offered with loan to values ranging from 85 to 95% for refinancing terms with cash back or debt consolidation. Many homeowners have suffered financially because their variable mortgage rate has been increasing.

Many homeowners have suffered financially because their variable mortgage rate has been increasing. Unfortunately many homeowners do not qualify for conventional house refinancing because guidelines have tightened and property values have deflated. The FHA supports home refinancing for borrowers looking for a chance to lock into a fixed rate loan.

Also see home refinancing options for Streamline Refinance with FHA | 100% Mortgage

Equity Loans and Home Refinancing for Consolidating Bills and Refinancing Loans with Adjustable Interest Rates

Being in debt is invariably stressful, and high and adjustable interest rates only worsen the situation. Credit card companies in particular are notorious for charging excessively high rates of interest. In addition, the interest charged on these types of debts can vary, and a low introductory interest rate can rise unexpectedly, substantially increasing minimum monthly payments. Individuals with more than one of these types of loans may also face difficulty when it comes to financial planning, as the amount they must put aside each month to repay debts can fluctuate significantly. However, the HARP home refinance will approve 2nd mortgage subordination. While the HARP 2.0 does not allow homeowners to consolidate 1st and 2nd liens into one mortgage, it does encourage lenders to sign off on subordination agreements.

FHA, Fannie Mae & Jumbo Cash Out Loans with Home Refinancing

For homeowners, however, a good solution may be to take out an equity loan. Borrowing against the amount that is currently invested in the home can offer several advantages to cash-strapped Americans. Firstly, taking out another loan is an effective debt consolidation strategy. Consolidating bills that have high payments enable individuals to combine all of their debts into a fixed rate home refinance. In this way, financial planning is simplified, as only one monthly payment is required.

Home refinancing from FHA offers low fixed rates! Obtaining an affordable home refinance loan with a fixed interest rate usually equates to borrowers paying less over time. Did you know that fixed home refinance rates are lower than those charged by credit card companies, so the amount that must be ultimately repaid is reduced? Consolidating debt with high adjustable rates through fixed rate refinancing will allow the homeowner to not only save money by paying less interest, but also avoid the unpredictable payments associated with adjustable rate debts. As the U.S. housing sector begins to recover, more and more people will benefit from new house refinancing programs that could emerge. If HUD continues to allow people with poor credit scores to access FHA home refinancing, many struggling borrowers may find a solution that saves them money with a significant reduction of interest due.

House Refinance Loans with a 30 Year Fixed Rate
Offers Protection Against Inflation!
Bad Credit Home Refinancing
Borrowers can maximize a home refinance loan to get cash out for home repairs and the consolidation of high interest revolving debt!
  • 30 Year Fixed Home Refinance
  • Low Credit Home Refinancing
  • Jumbo Home Refinance Loans
  • House Refinance Loans with Bad Credit
  • Cash Out Home Refinancing
  • HARP Home Refinances
  • Underwater Home Refinance
  • Manufactured House Refinancing
  • Conventional Home Loans

For those seeking cash out solutions to consolidate loans, pay off adjustable rate credit card debt, or perhaps refinance their adjustable rate mortgage, a home equity loan OR 2nd loan may be a good choice. In addition to making financial planning easier and lowering interest, having a second mortgage can also help individuals at tax time. According to Google News provider Realty Times, any interest paid on a home equity loan is tax deductible, while that paid on credit card debt or other bills is not.

As with any financial decision, however, it is important that the potential consequences are considered. Those who are thinking about taking out a 2nd loan should be certain that they will be able to make regular payments in full. Otherwise, they face the very real possibility of losing their home. The advantages of using a home equity loan to refinance adjustable rate loans and consolidate bills, however, are significant, and it is the number one choice among homeowners seeking effective debt management solutions.


Compare Home Refinance Rates & Lower Your Monthly Payments

Low Home Refinance Rates
Lowest Home Refinance Rates!

According to Forbes Magazine, one of the best ways for homeowners to save money is simply to secure a fixed home refinance mortgage in 2012 while rates are still at record lows.

Another benefit of home refinancing is gaining access to tax-free cash. In most cases borrowers have the opportunity to access cheap money with a home loan refinance. FHA allows people to get cash up to 85% loan to value, VA allows 90% cash out and conventional lenders approved cash out refinancing to 80%. FHA also approves home refinance loans with bad credit scores in some cases when the borrower can show strong compensating factors to the underwriter. Remember that the Federal Housing Administration still allows refinancing homes for borrowers that have fico scores as low as 500. At Nationwide, we pride ourselves in delivering the best experience for home refinancing online.

 


 
Resource Tools

Home Loan Refinance

Best Time to Refinance
Clearly the best time for home refinancing is when you have the ability to reduce your payment without stretching the term of your loan out. It is also important that you meet the eligibility requirements as well.

How to Refinance a Mortgage
The first step is completing a loan application online. Next the loan officer will supply loan disclosures and you will send back documentation like pay-stubs, W2’s and previous lender info. Once the loan is approved in underwriting you can lock the rate. After the appraisal and title are cleared you will meet with a notary for a closing. Typically this takes 3-4 weeks in this market.

When to Refinance a Home
Timing the Federal Reserve and financial markets is more difficult than people realize. The most important factor when considering home refinance mortgages is getting approved for a payment that will save you money monthly as well as reducing your expenses over the long-term. Make sure that you refinance into a loan that has flexible terms like no pre-payment penalties or annual fees.

Refinancing Calculator
Analyze the benefits of a home loan refinance when you consider interest rate options with our calculator tools. Get help calculating the monthly payment and discover the net interest savings. It will also calculate how many months it will take to get a return on investments for home refinancing costs.

ARM vs. Fixed Rate Calculator
How does a fixed rate 1st or 2nd mortgage compare to an adjustable rate mortgage or home equity line of credit?

Read more from recent blog post > No Cost Mortgage Refinancing


Find the best home refinance program in your state

Additional Home Refinancing Pages:
HARP Refinance | 100% Refinance | Cash Out Refinance | Refinance for Rental Properties | Mortgage Refinance for a Second Home |
No Documentation Refinance Loan | Interest Only Mortgage Refinancing | Compare Refinance Loans | Fixed Rate Home Refinance Loans |
Stated Income Refinance Loans | Low Closing Cost Refinance Loans | Home Refinance Loans for Improvements | FHA Refinance |
Bad Credit Refinance | Mortgage Refinance Guidelines | Home Refinance Programs | Refinance Loan | No Fee Refinance | Refinance Programs | Fixed Rate Refinancing | No Cost Refinance
Recommended Nationwide Articles to Help Homeowners with Refinancing:
Home Refinance Rates | Home Mortgage Refinance | How to Refinance with No Closing Costs | Mortgage Refinance Loans with FHA
Apply Now | Disclosures and Terms | About Us | Contact Us

BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024

Please be aware that this is not an advertisement for credit. Nothing on this site contains an offer to make a home refinance loan for any purpose with any specific terms. This site cannot guarantee approvals or extend terms on home refinancing with bad credit. Nationwide was affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright 2001-2012 and Beyond, BDnationwidemortgage.com is a website and cannot make loans. Home refinance loans are subject to lender approval. Rates are subject to change. All rights reserved. Please know that interest rates are subject to change without notice on all home refinance loans.