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Home Mortgage Refinancing
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Refinancing
Mortgage Rates
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Home Refinance
Home Equity
Debt Consolidation
Home Purchase
Refinancing, which either changes the loan’s interest rate or alters the life span of a loan, can greatly reduce your monthly payments owed on loans. There are many benefits and reasons people choose to refinance.

Reduce Interest Costs
Some home owners can refinance at a lower rate. It is always a good idea to compare rates and see if you can benefit from refinancing.

Pay Off Other Debts
Refinancing a loan can help pay off high-interest debts from credit cards or other loans. For home owners, certain tax advantages may be applicable with refinancing.

Reduce Risk and Exposure to Changing Mortgage Rates
Home owners with a variable rate, or ARM, mortgage loan may chose to adjust to a fixed-rate loan. This usually decreases the monthly payment, although it may lengthen the time of the loan. See if adjusting to a fixed-rate loan is right for you.

Get Cash
College tuition, home improvements and other life necessities or emergencies often require large sums of cash. Refinancing has opened up possibilities for millions of Americans wanting to undertake seemingly costly endeavors that have a high payouts in the future. See if refinancing is an option that can benefit your family.

Delta Prime makes it easy to help you compare offers from dozens of the nation’s leading lenders. The process is fast, free and with no obligation. So what are you waiting for? Find out if refinancing can help you today!

 

*About Our Advertised Rates

Fixed Interest Rates
- Our advertised fixed interest rates are based on a 15-year fixed-rate loan with a loan-to-value ratio of less than 80% and are current as of Mar 8th, 2010. The Annual Percentage Rates (APRs) of the loans will be slightly higher.
-Loans may carry closing costs and/or origination points. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, property location, type of property, and other factors. We arrange but do not make loans.

Adjustable Interest Rates and Advertised Payment Terms
-Our advertised adjustable interest rates are based on a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term and are current as of Mar 10th, 2010.
-For a $200,000 loan, the initial interest rate is 3.500% for 5 years with 1.625 discount points due at closing. There is a 3.44% APR with an initial monthly principal and interest payment of $898 for the first 5 years. After a period of 5 years, the potential interest rate is estimated at 3.125% with an estimated monthly payment of $863.
-An Adjustable Rate Mortgage (ARM) is a mortgage with an adjustable rate that is amortized over 30 years.
-Your interest rate is fixed for the first 3, 5, or 7 years of the loan repayment period, depending on the type of ARM you have.
-After the initial fixed-rate period, the interest rate could adjust every 12 months, depending on the product and the financial markets.
-Interest rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. In other words, if your initial interest rate is 4.5%, your rate will never be higher than 9.5%, and never rise more than 2% per year.
-Actual mortgage payment will vary based on your situation and the current interest rate when you apply.
-Not all consumers will be matched to a lender that is able to supply the advertised rates.
- Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
-The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors.
-May not be available in all states.
-Available rates and payment terms are subject to change daily without notice.
-Payment amounts shown do not include taxes or insurance.
-The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.

 

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