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PRIVACY POLICY
- By accessing this site you agree to the collection, use and dissemination of your information. However, the collection, use, and dissemination of your information will not entail being sold, rented, leased, traded or otherwise disclosed to any third parties with only the following exception:

  • It will be forwarded to a single licensed agent or broker, to be known from this point on as a 'Service Provider', who shall act in compliance with all applicable Federal, State, and local laws governing lending/financial institutions.

E-MAILS - We do collect e-mail addresses as part of our services. However, we will not send you any e-mails unless you have requested so; we do not utilize e-mail broadcasting without your specific consent!

OTHER INFORMATION - We collect information related to site-traffic, page-views, and impressions. We reserve all rights to promote or otherwise disclose such information PROVIDING THAT IT DOES NOT PERSONALLY IDENTIFY YOU.

SECURITY - We take pro-active measures (including the the use of a 'secure' web site) to protect your information from loss, misuse, or alteration by any unauthorized party.

TERMS OF USE - The submission of information does not constitute a contract. We reserve the right to refuse service for any reason, including the submission of information that appears to be incorrect, fictitious or fraudulent. The commercial use of this site and its contents with out express written permission is strictly prohibited; This includes derivative use of this site for any purpose outside of it's intent, including the gathering of data, use of any trademarked or copyrighted materials, violations of intellectual property, the use of 'mining tools, etc. All cases will be subject to applicable law.

123Refi is not liable for the actions or inactions of the Service Providers. We do make it our goal, however, to connect you with respectable professionals for the commission of lending services; We will respond immediately to all charges you may bring against a Service Provider as we see fit.

You are solely liable for any information you upload or transmit to this site. You agree to indemnify and hold harmless 123Refi from any claim, action or demand, loss or damages (including attorney's fees), made by any third party arising from or related to your conduct, violation of site terms, or violation of the rights of the third party.

In no event is 123Refi liable for any direct, indirect or consequential damages of any kind or nature arising from your use of this site.

You expressly agree that use of this site is at your own risk and that you will use this site in accordance with all state and federal laws of the United States, including it's counties and municipalities. 123Refi makes no guarantee or warranty in regards to the services provided.

Do You Really Need 4 Loan Offers - or Just The Best Offer?
  • We don't sell your information to multiple brokerages and call it 'competition'
  • One low offer that best suits your mortgage needs
  • Experienced loan officers with complete knowledge of mortgage financing
  • No hassles or obligations - just great service!
Refinancing? Purchasing? Home Equity Loan? Fill out the online application below and 'Take Command of Your Home Financing!'
Personal
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We don't sell, lease, trade, rent, or otherwise disclose your information. For details see our Privacy Policy

At 123Refi we ask the question, When does Mortgage Refinancing make sense? When home loan refinancing saves you at least $150 a month! Read our Home Loan Refinancing Guarantee--No hassles, just savings. Refinancing Mortgage in all 50 states with a wide variety of mortgage and home loan refinancing programs, 123Refi is the premier online mortgage refinancing company. If you're in the refi market, we have equity line mortgage refinancing and home loan refinancing programs as well as equity loan mortgage refinancing and home loan refinancing programs to help with your refi.(There is a difference between an equity line and an equity loan) Whether you are refinancing a first or second mortgage we can help you. If you're ready to refi, our no points mortgage refinancing program can save you a ton of money and our stated income refinancing for home loan can help you qualify for these savings. If you are refinancing your mortgage to consolidate debt or reduce your payments, our home loan refinancing professionals can secure those savings and really make a difference in your life. We have bad credit mortgage refinancing to help people refinancing a mortgage who may have had trouble elsewhere. Whether your credit is excellent or plain terrible, 123Refi is here to help with absolutely any of your mortgage refinancing needs.

Loan Information
Property Value:
Occupancy:
Property Type:
Will You Have A
Co-Borrower?
Yes No
Monthly Debt:
Your Credit:
Monthly Income:

I can verify this income through either past 2 years W-2's, past 2 years Tax Returns, or past 12 months Bank Statements.

I choose not to verify this income and prefer a 'Stated Income' option.

OPTIONAL: Provide Either Your Social Security Number or Credit Score:

For Refinancing and Home Equity Loans
Current Loan Amount:
Current Interest Rate:
Fixed Rate or
Adjustable?
Any Cash Out?
Is this strictly a
2nd mortgage?

For Purchases and Prequalification
Amount Available for
Downpayment:

If you prefer a 'Zero Down' option, what is the amount of your total liquid assets (savings, 401k, stocks, etc):


If this is a Prequalification, what is your maximum desired monthly payment?

Area Interested in Purchasing:

Are you working with a Realtor?
Yes No
Find Out How To Beat The Banks - Read Below For Details...

"The service was great and so was my rate! There weren't any hassles at all - they listened to my concerns, answered all of my questions, plus I got a better rate than I expected."

Thanks again,

G. Frederickson

POINTS EXPLAINED

What are points and when, if ever, does it make sense to pay them?

FEES EXPLAINED

What are the 'real' costs of my mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...



Mortgage Programs Explained...
Fixed Rate Mortgage
What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate mortgage?
Balloon Mortgage
What is a Balloon Mortgage? When would it make sense for you?

Adjustable Rate Mortgage
Also known as ARM's or Variable Rate Mortgages. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR.
Home Equity Loan - 2nd Mortgage

Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you.

FHA - VA Mortgage
Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs. Documentation Options
What are the differences between Full Documentation (full doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?



How Can We Help You 'Beat The Banks'?

It's simple: click on any of the banks listed to the right and we will package your mortgage with that bank according to the mortgage program of your choice - but we'll beat their published rate by .25% and won't charge you any more than the fees that particular bank normally charges. Click here for details or click on the bank of your choice to get started.




Call Today For A
FREE QUOTE
1-877-357-2336








Beat The Banks!!!
Many states have lending laws that govern refinancing properties within that state.
To help serve you better, please select the state your property is located in:

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