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| Mortgage - Home Loans - Refinance - Mortgage Refinance - Mortgage Rates - Home Equity |
| Our polite, professional and efficient staff has decades of experience providing home financing and home refinancing loan options to many thousands of satisfied customers with superior service second to none. We are a direct source for home mortgage loans, mortgage refinance, mortgage rates and home equity mortgage refinancing loan programs. We also specialize in options for mobile home refinancing, mobile home loans, mobile home financing and manufactured home loan lender products specifically for manufactured housing lending nationwide. Your request gains access to home purchase loans and home refinance loans at real savings. Once you've found or already own the perfect home, you need the perfect financing or refinancing. Let us find the best loan for you! |
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Home Equity Loans
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
All-Time Low Mortgage Rates: Time To Refinance? It may seem like there is no end in sight to new record-low interest rates with the interest rates we've been experiencing for the last year or so. Recently, Freddie Mac's Primary Mortgage Market Survey, which provides a snapshot of national average mortgage rates, reported a national average rate of 4.56% with 0.7 points on a 30-year fixed-rate mortgage. At the same time last year, the rate was 5.2% with 0.7 points. So, you might be asking yourself, is it time to refinance? Facts to Consider Your Breakeven Period Your breakeven period is one of the most important considerations in a refinance. To determine your breakeven period, you need to look at the monthly savings you'll create by refinancing and the total cost to refinance your loan. Let's say that by refinancing, you'll save $200 a month, and that the cost to refinance is $4,800. To determine your breakeven period, divide your refinance cost by your monthly savings. In this example, the breakeven period would be 24 months, or two years. If you plan to stay in your house for longer than the breakeven period, refinancing might make sense. Now, if you're only planning to stay there for 26 months, will that $400 you save be worth the time and hassle of going through the refinancing process? That's a personal choice. But if you're planning to stay in the house for another 10 years, the refinance would save you $2,400 a year for eight years, or $19,200 (less the cost of the refinance). Our seasoned mortgage specialists can guide you through the refinance process seamlessly and painlessly, we promise. So, considering the facts here, we'll help you analyze your particular financial goals and look at all options available. NO INITIAL CREDIT CHECK -- NO SENSITIVE INFORMATION -- FREE QUOTE |
| Mortgage Refinance - All-Time Low Mortgage Rates: Mortgage Refinancing |
Home Refinance Loans
Rates are the lowest they've been in
close to 30 years. Refinance now to
get a lower rate, turn your adjustable
into a fixed rate and get cash out!
Rates are the lowest they've been in
close to 30 years. Refinance now to
get a lower rate, turn your adjustable
into a fixed rate and get cash out!
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Home Purchase Loans
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.
| Copyright ©1999-2012 Earth Works Trust Inc. All Rights Reserved Earth Works Trust Financial Services doesn't lend money directly to borrowers, though we are a direct source to approved national lenders and licensed independent mortgage professionals in your local area. This allows for the widest variety of housing loan options to meet your needs. We also work to make sure you have the resources you need when researching for a residential or manufactured home loan. We've developed tools to make it easier to find the right loan product. Submission of this loan request form gives permission to contact you concerning housing loan products, Privacy policy: We respect your privacy! Your information will be kept confidential and disclosed only as allowed by law. |
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