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LOOKING FOR REFINANCE?  FIND THE BEST RATE ON YOUR MORTGAGEGet a free, no-obligation loan consultation today! Good Credit? OR Current or past credit problems? You've come to the right place. Homeowners with collections, bankruptcies, foreclosures, late mortgages, judgments, and other current or past credit issues. *Jumbo, fixed rate and variable rate loans *Loans for self-employed or commissioned borrowers *100% financing for qualified borrowers *Debt consolidation loans for homeowners *No asset or income verification for qualified borrowers *Loans for homeowners with bad credit *Less-than-perfect credit experts *No up-front cost or obligation *Fast and easy to pre-qualify

To help  a refinance mortgage loan to fit your individual needs, our Lenders need to know about your current mortgage and your loan preferences. Whether you want to refinance to a 30-year fixed or an adjustable rate mortgage, Online Mortgage can help you find the loan that's right for you. Tell us about the type of financing you wish to obtain and your loan requirements. Be as accurate as you can, because the details you provide will help determine your options. Within just 24 hours, you'll receive a customized quote by phone or e-mail.

Tell Us About Your Loan
What Type Of Loan Do You Want ( Check All That Apply )
30 Year Fixed 20 Year Fixed 15 Year Fixed
10 Year Fixed 1 Year Arm (adjustable ) 3 Year Arm ( adjustable )
5 Year Arm ( adjustable ) 7 Year Arm ( adjustable ) Home Equity Loan
Interest Only Option Arm Other
Why Do You Want To Refinance? ( Check All That Apply )
Refinance 1st Mortgage - 1st Mortgage Balance is 
Pay-off second mortgage / home equity - Second Mortgage Balance $
Other - Please Specify
Estimated Value Of The Property?  
Are You Currently Employed?  
For How Long?  
Have You Declared Bankruptcy In The Past?  
What Is Your Annual Household Income?  
What Is Your Monthly Debt Payment?  
What Is The Purpose Of This Property?  
Your Contact Information
First Name: Last Name: E-mail Address:
Address:   City:
 
Zip Code: State: Preferred Contact Time:
Daytime Phone: Cell Phone: Evening Phone:

FINANCING YOUR HOME

In this section I-RealEstate.com will take a look at home financing and home mortgages.  Not many of us are buying a house for cash these days so being informed about home mortgages is another vital step in the home buying process. There are so many home financing options available for home buying today it may be impossible to list them all here.  We will give it a try though.  Traditional 10,15,20 and 30 Year Fixed Rate home mortgages have been available to home buyers for years and usually are easily understandable for anyone buying a home.  Whether buying a home in Michigan or anywhere else, these mortgage products are available.  These programs are simple.  With a 10 Year Fixed Rate mortgage the interest rate remains the same for the entire 10 years and you will payoff your home in 10 years.  The same applies with a 15,20 and 30 year fixed rate home mortgage. Now we will go into more detail about adjustable rate mortgages.  Adjustable rate mortgage were created and became popular in the early 1980’s.  Back then they were called 1 year adjustable or variable rate home mortgages.  Today not only are there 1 year adjustable rate mortgage, but 2, 3, 5 and 7 year adjustable rate mortgages as well.  They are all 30 year home mortgages.  These products offer a lower interest rate than the previous fixed rates mentioned and will afford you a lower monthly payment.  Another way to describe them is 2 Year Fixed Rate, 3 Year Fixed Rate, 5 Year Fixed Rate and 7 Year Fixed Rate mortgages.  At the end of the “fixed” period they then change to 1 year adjustable for the remaining term.  Example:  With a 5 Year Adjustable Rate Mortgage at an interest rate of 5% the rate will remain the same (will not adjust) for the entire 5 year period.  In the 6th year the rate will adjust with the market every year for the remaining 25 years.  It can stay the same, go up or go down depending on market conditions at the adjustment time.  Those taking adjustable rate mortgages from 1999 through 2005 came out ahead of those taking 30 Year Fixed Rate mortgages and saved an amazing amount of money in comparison.  Most adjustable rate mortgages are tied to either the 1 year treasury index or the Libor index. If you know you are buying a home and are going to live in that home for 7 years or less one of these products will be best for your situation.  If you want a lower payment or need a lower payment to qualify when purchasing a home the adjustable rate mortgage is for you.  Whenever you make a home purchase, speak with a participating I-RealEstate.com referred loan officer for all the details on these great home buying products. 

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I-MichiganRealEstate.com is a wholly owned subsidiary of I-MichiganRealEstate.com, L.L.C. The trusted internet source for real estate exclusively located in Michigan.  Providing real estate and home selling, buying services.  Any and all participating Real Estate Agents are duly licensed Realtors® and participating member of the National Association of Realtors® and the Michigan Association of Realtors®.  Any and all participating mortgage lenders/brokers are duly licensed under the laws of the State of Michigan.  I-MichiganRealEstate’s service is dedicated home buyers and sellers and helping them to locate homes throughout Michigan and the Detroit Metro Areas.  Foreclosed home buying is on an as basis with no disclosure statements provided.  I-MichiganRealEstate provides professional relocation services to house buyers relocating and purchasing homes in Michigan.  All home and property listings are provided through a local Multiple Listing Service which includes foreclosure homes, active homes, newly listed homes, vacant land, commercial real estate and other types of real estate listings.