We have hundreds of loan programs for you, but some may be better choices, based on your budget, lifestyle and goals. We will always take a consultative approach to your loan, explaining the many scenarios that may assist you in achieving your short and long term financial goals. We understand the importance of matching customers with the right mortgage and will go the extra mile to ensure your loan program makes the very best sense for you.
Equity Mortgage Group Offers a Wide Variety of Home Loan Programs to Fit Virtually Every Need.
- FHA / VA
- USDA / Rural
- Local, Country and State Bonds Programs
- Adjustable Rate Mortgages
- In-house Jumbo Loans
Interest Rate Locks
- 15, 30, 45, 60, 75 days
Extended Rate Locks
- 90, 120, 150, 180 days
A refinance is essentially a brand new mortgage that replaces the one you have. Refinancing can free up money by reducing the interest you pay on your mortgage. Equity Mortgage Group offers hundreds of loan types including fixed rate, adjustable rate, and FHA loans
Reduce your rate. It’s the most popular reason to refinance and now is a good time to apply to reduce your interest rate and monthly payment.
Get cash out of your home. You may have made a large down payment, your house may have increased in value, or maybe you’ve paid down the balance on your loan. In any event, if you have equity in your home, you may have an opportunity to take advantage of a cash-out refinance.
Reward yourself for making payments on time with Home Affordable Refinance Program (HARP). Lower rates, smaller payments and shorter loan terms are three of the available benefits HARP offers, making home ownership more affordable for those who qualify.
Convert your adjustable-rate loan (ARM) to a fixed rate loan that’s predictable and stable. Now is a good time to lock in your rate if you aren’t comfortable with your variable rate.
Lower your FHA* or VA loan’s interest rate, possibly without a new appraisal and with a minimum of paperwork.
Shorten the term of your loan. Your monthly payments may increase, but you’ll pay off that loan much faster. This would result in ultimately paying less interest, assuming that your new loan’s APR is lower than your current APR.
Get the funds you need to carry out one or more home improvement projects. You may be able to finance a renovation or smaller home improvement projects with a 203k refi.**
Got a Jumbo loan? You may be able to refinance to a lower rate. Lowering your rate even a small amount will reduce your monthly payments on a high balance loan.
*To qualify, your current mortgage must be an FHA loan with no more than one late payment during the last 12 months. Other terms, conditions, and requirements apply.
** To be eligible, the property must be a one- to- four family dwelling that has been completed for at least one year and that conforms to all local zoning requirements. Any newly constructed units must be attached to the existing dwelling. Cooperative units are not eligible. Eligible improvements include painting, additions, decks, and other improvements with the exception of luxury improvements. All construction projects or additions financed with 203k proceeds must comply with certain energy conservation standards and smoke detector requirements.
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