Miami, Florida Mortgage Refinance, FHA Mortgage Refinance Miami, Florida

By
Real Estate Agent with 1st Continental Mortgage

Miami, Florida Mortgage Refinance

  Miami FHA Mortgage Refinance, Refinance with FHA loan in Miami,

  Refinance with FHA mortgage programs offers benefits that only come with FHA home loans. You don't currently have to have an FHA loan to refinance with FHA.

Below we have outlined advantages Miami Homeowners have in refinancing with an FHA loan.

  • Cash out refinance up to 95% with an FHA loan.

•·         Cash-Out up to 95% of your properties value.

•·         Consolidate 1 and 2 mortgages into single loan.

•·         consolidation of your Bills

•·         Easier credit and income qualifications.

•·         FHA regulated closing costs.

  • Rate and Term Mortgage Refinancing up to 97.75% of your homes value.

•·         Consolidate first and second mortgages into a single loan.

•·         No minimum credit score requirements

•·         Competitive rates for borrowers with a Bankruptcy older than 2 years.

•·         Competitive rates for borrowers with a Foreclosure older than 3 years.

•·         Easier credit and income qualifications.

•·         FHA regulated closing costs.

  • Miami FHA Streamline Refinance for existing FHA loans only.

•·         No Cost Interest Rate Reductions programs.

•·         No Income or Credit Qualifications.

•·         Zero cost refinance options available.

•·         Easily switch amortization for adjustable to fixed or vice versa.

•·         Easily shorten or lengthen term of your existing loan.

•·         Easier credit and income qualifications.

  • Miami FHA Secure Refinance with current mortgage lates.

•·         Refinance your mortgage at competitive rates even if you have a mortgage late on your credit that is directly due to adjusting mortgage.

•·         Qualify for refinance even if currently in foreclosure.

•·         Complete details of FHASecure loan.

  • Miami Seniors Refinance Your Mortgages with a FHA reverse mortgage and Eliminate Your Mortgage Payments

•·         If you are over 62 years old, you maybe able to refinance your existing mortgages and rid yourself of monthly mortgage payments.

•·         View current FHA reverse mortgage refinance guidelines.

  

Call 1-800-570-0448 or apply online using our quick application right now to get experienced professional and friendly Florida mortgage service from 1st Continental Mortgage.

As a Miami Florida homeowner, eventually, you'll consider refinancing your Miami, Florida mortgage. Before you decide to refinance, you should confer with an experienced Florida Mortgage Lender. Our licensed mortgage pros work hard to stay current on the best refinance mortgage programs. Our training objectives are to help each of our clients achieve the best combination of interest rate, mortgage terms, and low home loan closing fees for a Miami Florida refinance. Call today at 1-800-570-0448 or use our quick application to learn more!

For over a decade, 1st Continental Mortgage has been the Miami mortgage lender of choice in Miami Florida because we deliver excellent rates and superb white glove mortgage service to Miami Florida homeowners. 1st Continental Mortgage loan officers are well equipped to make refinancing your Miami Florida Mortgage a smooth and pleasant transaction from application to closing.

After conferring with one of our loan officers, you may find that refinancing your existing mortgage loan isn't the most suitable way to meet your financial goals. In finance, there are often many ways to achieve a goal, and a conversation with a Miami Florida mortgage expert can save you time in locating the Miami homeowner loan that is going to work the best for your unique set of circumstances.

Why not call one of our friendly experienced loan officers today for a free review your financial situation and objectives. We're confident that when you complete your phone interview, you'll be certain you are applying for the best refinance Miami homeowner loan. A loan that will serve your long-term interests and not just the interest of the mortgage originator you're working with. Call 1-800-570-0448 today or use our quick application for a free, no-obligation consultation.

For most of our clients, getting a refinance on their Miami Florida Mortgage is the most important single financial transaction they will ever undertake. It's actually more important than when you first decided to purchase your Florida home! It's not something that most people do every day. In fact, some homeowners may only refinance two or three times in a lifetime.

Nevertheless, differences among Miami Florida mortgage programs for refinancing that appear small can make a huge difference over the life of a typical Florida mortgage. The hard truth is, refinancing your home into the wrong loan can cost you tens of thousands of dollars or even put you at risk of losing your FL home to foreclosure.

At 1st Continental Mortgage, we'll listen carefully to your objectives for the refinance loan, ask the right questions, and use our experience to match you with the best program and lender from among the hundreds of Miami debt consolidation refinance programs we offer.

At 1st Continental Mortgage, we're experts at identifying the small differences in competing Miami refinance mortgage loan programs that can save our clients big dollars. We'll be glad to share what we know to help you create the best refinance scenario for your situation. Call 1-800-570-0448 or use our secure online quick application to see how simple it is to refinance a mortgage in Collier County or any of the other Florida counties we serve.

Whether you are motivated to refinance your Miami Florida home by a desire to lower your interest rate, lower your monthly payment, change your terms, or remove a former spouse from a mortgage, we will be happy to help. Over the last decade, we have heard our share of excellent reasons for making changes to an existing Florida mortgage.  We have excellent Florida refi solutions for all kinds of homeowners from interest only refinances for a newly single professional; to refinancing a Miami, Mobile Home on land with a low fixed rate FHA mortgage in Miami, Florida; to helping a young family avoid the shock of dramatically higher mortgage payments from an ARM.

Miami Florida Debt Consolidation Refinance

Cash Out Refi in Miami Florida

For some Miami Florida clients, the need to refinance is driven by debt consolidation. It's not uncommon today for borrowers to feel that their credit card debt or other installment debt has taken on a life of its own. We know how to help you get the most for your hard-earned home equity when it comes to doing a cash out refinance for debt consolidation. Refinancing for debt consolidation can help free up hundreds of dollars a month and in some cases, the mortgage interest may be tax deductible. If you have home equity and need a fresh start, call 1-800-570-0448 or use our quick application. We think you'll be glad you did!

We don't recommend refinancing a first mortgage to every client as a vehicle to consolidate debt or get cash out. Sometimes a prepayment penalty on the first mortgage makes a Second Mortgage or home equity line of credit a better way to access home equity. In other cases, the first mortgage may have a desirable characteristic, such as a below market interest rate, that makes refinancing simply not worthwhile. We'll be happy to help you generate a range of refinance program options and to choose the best from among them.

Why not call us today at 1-800-570-0448 or fill out our quick application to get a fast quote on refinancing your Florida mortgage!

Here are just a few of the reasons our past clients have expressed for refinancing their Miami Florida homes:

  • Lower the interest rate on your present fixed rate mortgage;
  • Convert a high risk Florida ARM to a stable 30 year fixed rate mortgage;
  • Refinance out of a fully indexed Adjustable Rate Mortgage into a FHA fixed rate loan;
  • Consolidate all your high interest credit card debts into a single monthly mortgage payment
  • Refinance to pull cash out for hospital bills, college tuition, or to finance a wedding, honeymoon or exotic vacation;
  • Escape a Florida bad credit mortgage program into a more permanent mortgage;
  • Improve your cash flow with a refinance to an Interest Only mortgage.

With more than 100 lender programs to draw upon, 1st Continental Mortgage loan officers have been delivering the right homeowner refinancing loans for over a decade to thousands of Miami Floridians. Here is a partial list of the mortgage programs that we can help you with:

  • Fixed rate mortgage refinance with 10 year, 15 year, 20 year, 30 year and 40 year fixed rate terms;
  • Interest only mortgage refi options;
  • Debt consolidation refinance programs;
  • Florida Jumbo mortgage and Super Jumbo mortgage refinancing programs;
  • Bad Credit mortgage programs;
  • Second mortgage, home equity loans, and home equity lines of credit options;
  • Specialty mortgage products such as no income verification, no ratio, SISA and no doc mortgage programs.

The mortgage professionals of 1st Continental Mortgage are waiting to hear from you right now about your next Miami Florida homeowner refinance opportunity. Just give them a ring at 1-800-570-0448 or apply securely online using our quick application. With so many excellent refinancing options for Florida homeowners, we're certain to have a Miami Florida refinancing mortgage program designed for you!

Answers to Mortgage Questions

Whether Refinancing or Buying, We
Deliver Good Answers to Great Questions!



I need a mortgage. Why should I do business with you?
What is a Home Loan?
What is a Mortgage?
What is Refinancing?
What is FHA?
What is HUD?
What is Sub Prime?
What is a Lender? Do I need a Lender?
What is a Broker? Should I use a Mortgage Broker?
What is a Mortgage Originator?
What is a Mortgage Loan Processor?
What is a Mortgage Underwriter?
What is a Pre-Approval Letter?
What is a Mortgage Commitment?
What do I need to apply for a mortgage?
What is the difference between a fixed and adjustable rate mortgage?
Can I buy a house using a FHA Loan?
How much mortgage do I qualify for using an FHA Loan?
Does the FHA loan impact how much house I can qualify to buy?
How do I qualify for a home mortgage using the FHA program?
What is the difference between a regular mortgage and a FHA Loan?
Do you have to improve your credit score to get a better rate with FHA?
What is the importance of credit when you apply for an FHA Loan?
I heard the FHA loan is only for 1st time buyers, is that true?
My mortgage company says I should not consider the FHA program. Why should I listen to you and not them?
I want to improve my mortgage term. Can I refinance my FHA loan now?
How soon can I refinance to a new home loan?
How often can I refinance my home?
How can I refinance my home when I have credit problems?
Where can I refinance my home if I'm late on my mortgage?

 

Comments (8)

Yvette Gardner
Keller Williams Realty, Spartanburg, SC - Spartanburg, SC

Welcome to the Active Rain community. This is a great site with lots of information.  Have fun with it and hope to see more of your blogs soon!  We have a team of three outstanding full time agents to assist your buyers and sellers in Spartanburg/Greenville, SC.  Let us know if we can ever help. Again, welcome to AR!!

Dec 26, 2008 11:43 PM
The Trumm Team Omaha Homes for Sale, Real Estate
Keller Williams Greater Omaha - Omaha, NE

Welcome to ActiveRain!

If you would like a few tips on getting the most out of ActiveRain, please visit my blog Welcome to Active Rain.  It has a few simple steps of what to do now that you have joined.

If you ever have any questions, just let me know.

Troy Trumm

Dec 27, 2008 12:36 AM
Sergio Rebollo Jr.
Real Estate TeamMates - Miami, FL

Bob....Welcome to ActiveRain.  This is a great community to network with others as well a great place to learn from other's experiences and knowledge.  I've enjoyed it; I hope you enjoy it as well.

Sergio Rebollo Jr.
Exit Prime Realty
Coral Gables, FL  33134
305-582-4062

Miami Short Sale Specialist - Profile

Dec 27, 2008 09:53 AM
Everard Korthals
---Preferred Lifestyle Advisors--- - Lancaster, PA
Mountain Realty

Welcome To Active Rain. We would encourage you to read the Active Rain Guidelines and Terms of Service. before proceeding. If you were to have any questions, refer to the Help/Faq group. All the best-
Active Castellum ( Castellum Realty llc - Lancaster PA Real Estate )

Dec 27, 2008 10:15 AM
Keith Elliott Jr
KEIRE Realty Group - Manassas, VA
Principal Broker/Owner

Hello Bob,

Welcome to Active Rain and congrats on your first post! The opportunities to learn and network are incredible here. Best of luck to you!

-Keith

Dec 27, 2008 11:01 AM
Jason Ellis
Coastal REO Solutions - Myrtle Beach Short Sales & REO's - Myrtle Beach, SC

great start to AR -- best of luck in the new year -- JE

Dec 27, 2008 11:40 PM
Dan Magstadt
Paramount Residential Mortgage Group, Inc - Lake City, FL

Congrats on your first post - Welcome to ActiveRain!!

DM

Dec 28, 2008 02:32 PM
Jean Terry
Keller Williams Realty Spartanburg, S.C. - Spartanburg, SC

Hi and welcome to Active Rain, a great site to network, share, learn, and have fun. Good Luck.

Dec 29, 2008 01:59 PM