Refinance

Free Refinance Quotes.

Find the Refinance Loan That Is Right For You.

If you're shopping to refinance, whether it be auto, home, or personal, you have found the right site. We've searched the internet for the best refinance sources online. We've taken the time-consuming, tedious work out of the refinance process, and put the relevant information right at your fingertips. You're just a few clicks away from the best refinance loan that is right for you.

Here is a list of mortgage refinance lenders that will provide a free quote along with a description of their specialty and policies:

ING Direct: Refinance your home loan at the best rates currently available. You can borrow up to $250,000 with no application fees, no annual fee and no prepayment penalties. Your mortgage refinance  is  a line of credit or a loan. Also, their rate lock feature lets you convert to a fixed loan at any time. They have a knowledgeable staff, and are very pleasant to work with. You can click here for ING DIRECT Orange Mortgage  Great refinance rates and an easy online application.

Mortgage Refinance Tip:

To get the best rate on your home loan refinance, take steps to improve your credit score to 750 or more.

Green Point Mortgage: The friendly folks at Green Point Mortgage specialize in no documentation loans. These are very attractive to self-employed and business owners. The refinance process is less intrusive and more efficient. Click here to apply for their No Documentation Refinance Loan.

Americas Lending Partners: Americas Lending Partners was founded in 1999 by former Money  Store and First Plus Financial executives. Americas Lending Partners specializes only in real estate loans, especially refinance. They service requests in all 50 states. Also,  they have 100's of lenders in their unique network who cater to fair and good credit types - people with "less than perfect credit." If your credit is in the lower half of the scale, we suggest you give them a shot at your refinance needs. America’s Lending Partners’ free loan request service will match you with up to 4 lenders to help you lower your interest rate on your refinance.

Mortgage Refinance Tip:

To increase your odds of  approval, keep your refinance request to 75% or less of appraised value.

Lending Tree: The substantial size of their company allows Lending Tree to be very competitive in the refinance market. Lending Tree has over two hundred lenders in their network You simply can't find a faster source to refinance. You can literally get up to 4 offers for a refinance loan in just a few minutes. Click here for Lending Tree refinance application.

Really Great Rate: Really Great Rate has some of the most flexible refinance options that we've seen. You can borrow up to 90% of your home's value. Your  loan refinance amount, however, must be $75,000 or more, and their programs are not available in KY, KS, NC, UT, WV. They do accept  refinanc applications from all credit grades. Do you have the best mortgage loan rate? Find out.

Mortgage Refinance Tip:

Consider doing some minor projects on your home to increase the appraised value before you apply to refinance.

Loan Atlas: Loan Atlas has a very simple process to refinance. Their refinance application form is the simplest of all that we've seen. They will provide today's mortgage quotes. To fill out their 30-second form for a refinance loan, click on the hyperlink.

Planet Loan: Planet Loan is another firm that has a large number of lenders in their network. They have at least one loan program for everyone. They offer refinance loans for every situation: high debt ratios, low credit score, commercial loans, etc. To refinance with Planet Loan while rates are still low and home values are still high, click on refinance.

Refinance Tips:

There are several factors that come into play in order to qualify for the best refinance interest rates.

First, the higher your credit score, the better interest rate you will get on your loan refinance. The basics of getting a high credit score are paying your bills on time, keeping your credit card balances very low or at zero, and keeping your credit report inquiries to a minimum. For complete info on getting a high credit score, click on credit score.

Second, the higher your debt ratios are, the less likely you are to qualify for a refinance loan. Consider ways to reduce your debt before you apply to refinance. By paying off credit card balances, department store accounts, and auto loans, your greatly reduce your debt ratio, and boost your ability to get the best terms on your refinance request.

Third, take active steps to get the highest appraised value before you apply to refinance. Most llenders will let you borrow up to 80% of  your home's value minus any outstanding balances. There are some things you can do to increase your home's value. A higher appraisal will mean a higher amount available to refinance. See our page on home appraisal for ways to increase your home's value.