Lower or Fix Your Mortgage Payment

Refinance Your Current Mortgage to Lower Your Monthly Payment

When interest rates are low, it’s a good time to consider refinancing your current mortgage. Here at Guardian Mortgage Inc, we will do our best to assist and provide you several different mortgage programs that will fit with your needs and save monthly on your current mortgage.

If you refinance, your total finance charges may be higher over the life of the loan.

Below are a few of our most popular refinancing programs for lowering monthly mortgage payments

Fixed Rate Mortgages

This Fixed Rate Mortgage is designed to help homeowners who are currently on a fixed rate mortgage and simply wish to lower the interest rate and payment. It is also best suitable for homeowners who are on an adjustable rate mortgage and wish to switch to a fixed rate mortgage and also lower your payments.

FHA Refinance Program

The FHA Refinance program is best suitable for those who are currently on an FHA insured loan. There are few loan programs to qualify under FHA refinance program depend on each individual needs.

FHA Streamline Refinance

The FHA Streamline Refinance is a great mortgage product, designed for homeowners with existing FHA mortgages. FHA Streamline Refinances are the fastest, simplest way for FHA-insured homeowners to refinance their respective mortgages.

The FHA Streamline Refinance program’s special feature is that it does not require a home appraisal regardless of what your home is actually worth today. In another words, FHA does not care if you are underwater on your mortgage and you can keep taking the advantage of lower interest rate without the fear of property value.

VA Mortgage

Refinance your VA mortgage can be done in several ways and our selection of refinance programs for veterans includes 100% financing on both cash out refinances and the VA streamline refinance, which is also known as the interest rate reduction refinance loan

VA Streamline Refinance/ Interest Rate Reduction Refinance Loan (IRRRL)

An Interest Rate Reduction Refinancing Loan (IRRRL) is a VA-guaranteed loan made to refinance an existing VA-guaranteed loan, generally at a lower interest rate than the existing VA loan and with a lower principal and interest payment than the existing VA loan. If you currently have a VA Home Loan you may qualify for a Streamline Refinance and low interest rates. The Interest Rate Reduction Refinance Loan (IRRRL) may be the easiest loan available today. This refinance type is relatively easy and can be completed quickly due to the fact the borrowers are refinancing from one VA Loan product to another VA Loan product.

Key Features of VA- Interest Rate reduction Refinancing Loan are

•  NO Appraisal required, regardless of property value even underwater mortgages
•  NO Income Verification allow you to take full advantage of new lower rates
•  NO Out of Pocket closing cost

Home Affordable Refinance Program (HARP)

The Fannie Mae DU Refi Plus® program is a fixed rate/term refinance program with limited cash-out refinance of existing Fannie Mae loans already owned or guaranteed by Fannie Mae on or prior to June 1, 2009. This program is designed to provide access to low-cost refinancing for responsible homeowners suffering from falling home values. If you have been making the mortgage payments on time for past 12 months and only wish you reduce your interest rates and monthly mortgage payment, this is the best option for you.

Our Certified Mortgage Planner Specialists will guide you through each stage of the process and provide you with expert advice along the way. We are committed to making the home refinance process clear, informative, and simple. At Guardian Mortgage, we understand that you want to get the best refinance deal. That’s why we are committed to providing you with the information you need to make well informed decisions.

When you are ready, simply Apply Online, Request Personalized Rate Quote or call us at 703-349-1084 to speak with live person.