No Equity Refinance (HARP)

If your current home/Investment property has no equity and you feel that you may even be upside on your mortgage (you owe more on your mortgage than the home is worth) we may have a solution for you. 

We offer programs that in some cases will allow you to refinance into today's historically low rates without an appraisal even if you owe more on your mortgage than what your home is worth. For example you may owe $120,000 on your current mortgage yet you feel your home is only worth $80,000 if it were to be appraised. If you qualify for one of our No Equity Refinances you would be able to refinance that $120,000 mortgage into a lower rate without doing an appraisal.

The "No Equity Refinance Program" programs allow you to also go to a shorter term and save years and interest on your mortgage, and are available to below average credit scores

**If your credit score is lower than required for this program check out our credit rescore program where we may be able to raise your credit score within a few business days.