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.

Use Government Insured Financing to Achieve Your Goals

Lend America insures its mortgages through the world's largest mortgage insurer, The Federal Housing Administration (FHA). We are FHA-approved and one of the largest regional lenders. Our staff has over 20 years experience; we make the decisions and cut the red tape. Our program has the following great features:

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.

Purchase a home with zero cash in most cases using a Liberty Grant!

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™

Remember the old mortgage burning ceremony? A time when the mortgage was paid off and the home was owned 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 will also pay off your home early...saving hundreds of thousands of dollars in interest.

Get a low payment without high risk

Try Lend America's Interest-Only Mortgage. When you call one of our lending experts, we can put you into a mortgage where for a fixed number of years you pay just the interest. Since you can prepay as much of the loan as you want, every time you pay down some of the balance, you actually lower your interest cost from that point forward. Best of all, your rate can be fixed for the entire life of the loan, so there will be no surprises.

Low payment for up to 10 years.

Comfort of a Fixed Rate.

Easy Qualifying.

Choose the Payment That's Best For You!

Manage your money monthly the way you like with our Pay Option loans. Your monthly statement comes with a choice of payments. Pay a low payment and defer your interest until later; pay an interest only payment; or choose to pay off your home in 15 or 30 years. Best of all the alternative payments are available every month.  

Ideal for people who have seasonal jobs and find it hard to pay that high fixed rate payment every single month when their income is lowest.

Investment property owners like this loan because they want the optional low payment during vacancies.

Self-employed borrowers love this loan because it helps them manage their cash flow.

Those whose income is increasing love this loan because they can afford the home that they want and make a low payment at the same time.

Take a Little Longer to Pay Back Your Loan or Lower Your Fixed Rate Payment

Consider one of Lend America's extended term loans. Let us help you find a solution. You can finance a larger mortgage over 40 or even up to 50 years! Gone are the days when your term was capped at 30 years. Breathe easy and know that you have time on your side when you fix your rate for half a century.  

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.