Welcome to your Refinance Guide. This Guide is designed to provide you with the opportunity to "self assess" your situation to determine what Loan Programs are best for you. The Refinance Guide is for refinance loans only. If you'd like information on purchase loans, please see our free Home Loan Wizard Home Loan Wizard Upon completion you will receive a copy of the answers to your Guide via email with recommended options. You can also request a FREE hard copy to be mailed to you and a FREE no-obligation consultation from a friendly customer service representative.     Step 1: Loan Program Questions   Is the loan for? lower payment lower interest rate new term debt consolidation cash out line of credit other How long do you intend to keep the property? 2 years or less 5 years or less 10 years or less 30 years or less What is the balance on your first mortgage? What is the balance on your second mortgage? What is your current interest rate? What is your monthly payment (include principal and interest)? What is your current term/program? Does your mortgage have a pre-payment penalty? Yes No If yes, how much? don't know $10,000 or less more than $10,000 If consolidating debt, what is the total amount you wish to consolidate? If receiving cash, how much would you like to receive? What is the current value of your home? When considering adjustable rates, fixed rate or other programs you are interested in an adjustable rate fixed rate interest only payments bi-weekly payments lowest payment possible other options