706-443-5010 - 316 South Lewis Street - LaGrange, GA 30241

Refinance Loan Services

Rate-Term Refinace

Refinance your home and trade the equity for a sum of cash that you need for whatever you need.

Cash-Out Refinance

Refinance your home and trade the equity for a sum of cash that you need for whatever you need.

HARP Program

Both Fannie Mae and Freddie Mac have programs available that will allow homeowners that owe more than their property is worth to refinance.  Your loan must have been sold to Fannie Mae or Freddie Mac prior to June 1, 2009 to qualify.  Check out these links to see if your property is a Fannie Mae or Freddie Mac.  In most cases these loans do not require appraisals.

Debt-Consolidation Loan

FHA offers a streamline refinance, in most cases without an appraisal. If you currently have an FHA loan, and it closed prior to June 1, 2010, you may qualify for a streamline refinance with .001% in Up-Front-Mortgage-Insurance and keep your monthly mortgage insurance at the same rate you have currently. If you loan was closed post June 1, 2010, you may still be eligible for an FHA Streamline, only standard MI rates would apply.

Investment Property Loans

We offer investment property loans up to four units.

Investment Property Loans

Loans that are amortized at a specific rate for a shorter period of time of 1, 2, 3, 5, 7 or 10 years and become adjustable after that term. Most ARMs have caps in which they cannot exceed. ARMs generally have lower rates than the average fixed rate, and are recommended for first-time homebuyers.