Custom Refinancing from Lend America

Custom mortgage planning regardless of credit, income or loan status is the key to a successful refinance of your current loan. From Wall Street to your street, Lend America accesses the financial markets and Government Insured financing to provide you with your very own personalized mortgage. Lend America has so many mortgage products, we cannot possibly list them all. Here are just some examples.

So many benefits to refinancing with Lend America

With your new mortgage you can:

Consolidate your debt into one easy payment.

Get out of an adjustable rate and into a low fixed rate loan.

Payoff a high interest rate sub-prime 1st and/or 2nd mortgage (combo).

Payoff a prime rate attached adjustable home equity loan.

Pay off your mortgage early using our exclusive HomeFree™ Mortgage Program and save BIG on your overall monthly payments and interest.

Establish a college fund or contribute to your retirement plan.

Get rid of an impending balloon payment or prepayment penalty on your current loan.

Consider home improvements! Add that kitchen, garage, bedroom etc.

Pay off those tax liens and get the government off your back.

FHA Financing

FHA financing provides a safe and affordable loan option for homeowners. With competitive fixed rates and a generally easy qualification process, FHA loans are a popular choice today, especially when refinancing. Lend America is an approved FHA direct lender so you receive the benefits directly, which include:

Lock in a low 30-year fixed-rate.

No minimum credit score required, explainable credit challenges permitted.

Bankruptcy eligible - as recent as 1 year with extenuating circumstances.

Quick and easy approval and closing process directly with Lend America!

No pre-payment penalty.

Loans are insured by the Government but issued directly by Lend America.

See HUD.gov for more information on FHA loans.

Pay Off Your Mortgage Early with HomeFree™

Would you like to own your home free and clear? Let one of our Lend America consultants qualify you with a HomeFree™ analysis.  With HomeFree™, not only will you pay less each month, but you may also pay off your home early...saving thousands of dollars in interest.

Keep Your Monthly Payment the Way It Is... But Make It Work Harder

Sometimes it isn't that complicated at all. You may be very comfortable with your current payment but want to shorten your term or keep your payment the same but take some cash from the equity in your home. We can help you do that too  

Take Advantage of All the Equity in Your Home

The Lend America team can help. You can tap into as much as 100% of the value of your home depending on your credit profile.

Use your home's equity for:

Payoff High Interest rate debt.

College tuition.

Other investments.

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Fixed Rate Loans Offer Stability

They are best if you want a reliable payment over a very long period of time with no surprises. The peace of mind of a fixed-rate loan will offset the slightly higher payment over the long term. When rates are very low, refinance into a fixed-rate loan to lower your monthly payment or convert the uncertainty of an Adjustable Rate to a reliable fixed-rate.

But don't be fooled if you locked in a low fixed-rate first mortgage already. If you have a large Home Equity Loan or high interest credit cards that are not fixed, they are already going higher and refinancing them all into a fixed-rate loan will save you thousands in the long term.