Mortgage Refinancing

Would you like to lower your mortgage interest rate and payments and potentially pay for your home sooner? How about owning your home free and clear? Believe it or not, having the right mortgage for your personal situation can be the key to your success. The loan officers at Merit Funding, Inc have a wide variety of low interest rate mortgage loans available and can provide a personal analysis your mortgage. It makes sense to let a professional company handle the details and give you peace of mind.

Our competitive loan programs have among the lowest interest rates available in the industry for most home loan programs, including Jumbo, Stated Income, Conforming and many more.

We make refinancing fast and easy by using the latest available technology.

We say YES when others say no:

Yes to: Self employed, trouble showing income.
Yes to: Recent credit problems.
Yes to: Low equity issues.
Yes to: Cash out for debt consolidation or home improvement.

The most popular options are:

30 year fixed fully amortized loan
15 Year fixed fully amortized loan
30 year fixed with a 10 interest only payment option
10/1, 7/1, 5/1 and 3/1 Adjustable rate mortgages that are fixed for the first 3 to 10 years depending on the loan, then adjust after that period.
Cost of Funds or Moving Treasury Average loans that are always adjustable but follow a generally low moving 12 month average of interest rates.

Many more programs are available that could help you take control of your mortgage and reduce your payments.

Call or e-mail for a free analysis of your current mortgage and see what we can do for you. You may also enter your current mortgage info in our database and let us monitor the market for you.