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CONSOLIDATE YOUR DEBT
Pay off your high-interest credit cards or bills!
Use your home’s equity to provide you with the cash you need to pay off higher-interest rate credit card and loan balances. You may be able to lower your monthly payment and enjoy significant tax advantages.*

REFINANCE YOUR MORTGAGE AND GET EXTRA CASH Possibly reduce your monthly payments and pay off debt! By refinancing your existing mortgage, you could take advantage of your home’s equity to consolidate other high-interest accounts all into a single, more manageable monthly payment.

Loan Types

New Purchase Loan
Get the home of your dreams. Whether you're a first time buyer looking for a first mortgage or looking to refinance an existing mortgage, the Loan Page can help you find the right loan for your financial needs.

Mortgage Refinance
Refinancing means that you are given a new loan with a new rate on an existing mortgage loan. If you can save money by lowering your interest rate, or changing rate types through refinance, then you should do it.

The only way to find out if you are qualified to refinance your mortgage loan is to speak with a mortgage banker. SecureRights is a service that instantly matches you to qualified, local lenders who will call to offer you the best new loan they can.

Home Equity Loans or Lines of Credit
Depending on your financial needs, a home equity loan or a home equity line of credit may be your financial answer. With a home equity loan you're allowed a fixed amount of money repayable over a fixed time period. If you would like a loan that provides flexibility, a home equity line of credit allows you to pay interest only on the amount you use.

Consolidate Your Debt
Combine your higher interest debts into one low payment and save hundreds of dollars over the life of your loan. Quit moving your debt from credit card to credit card, and with one payment simplify your financial life!

Fixed-rate Mortgages & Adjustable-rate Mortgages
are the two primary mortgage types. While the marketplace offers numerous varieties within these two categories, the first step when shopping for a mortgage is determining which of the two main loan types - the fixed-rate mortgage or the adjustable-rate mortgage - best suits your needs.

Interest-only Mortgage
A mortgage on which for some period the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.

With an interest-only mortgage loan, you pay only the interest on the mortgage in monthly payments for a fixed term. After the end of that term, usually five to seven years, you either refinance, pay the balance in a lump sum, or start paying off the principal, in which case the payments jump skyward.

(*) Disclaimer: o-realestate.com does not offer mortgage loans and is not the lender in any transaction , rates and terms are the responsibility of the participating lenders and brokers. pickamortgage.com provides your information to lenders and brokers from mortgage entities participating in this process. Please read our Privacy Policy and User Agreement. By completing and submitting this information sheet, you acknowledge and agree that you have authorized us to provide the information contained in your submission to participating mortgage lenders and brokers as well as have read, understood and agreed to the terms set forth in the Privacy Policy and User Agreement. In addition, you are extending an express invitation to any of the participating lenders and brokers to contact you by telephone or email even if you have previously requested that you be placed on a Do Not Call registry and/or a Do Not Email list. The rates and terms of mortgage products offered by participating lenders and brokers are subject to market changes and other factors and qualification is required. Rates and terms offered by participating Lenders and brokers may vary depending on your credit history and other qualifications, amount of equity in the property, location, and type of property, and other factors. Rates and terms are subject to approval by participating lenders. All terms and requirements of any loan are to be determined by each lender independently. The rates and terms you are offered are the responsibility of the participating lenders and will vary based upon your loan request and determined by the lender(s) to whom you are matched. You may not be matched with the lenders (s) making a specific offer.

All loans are subject to credit approval. Rates and terms are subject to change at any time without notice. Potential loan applicants inquiring through this website are not guaranteed to be matched with any specific lender, broker, or related service provider. Potential applicants may be, at the discretion of website operator, and based on information provided, and preliminarily matched with more than one lender, broker, or other related service provider. Potential applicant hereby agrees to be contacted by such service providers in response to consumer’s inquiry, where said service providers may offer varying products and services not offered by others. There are many products, rates, and terms available and they may or may not be offered depending upon many factors, including but not limited to: 1) Credit History, 2) Type of collateral offered, 3) Documentation of income and other items related to creditworthiness of applicants and, 4) Eligibility and availability for certain programs offered based on State or local laws, investor and lender product availability, and other factors. The Start rate above is for a loan amount of $150,000 based on the minimum rate of 1% where the minimum payment is fixed for 12 months. Even though the minimum payment is fixed for the first 12 months, the fully indexed interest rate will change after the first month. The fully indexed interest rate will thereafter be based on an index (in this case, the one month Monthly Treasury Average, or “MTA” index, which is currently at 3.019% as of 9/29/2005, plus a margin of 2.125 to 3.125%, with the index adjusting monthly. For example, if the loan funded had a margin of 2.625%, the interest rate for the first month would be 1.0%, but on the second and subsequent months, the rate is 5.734% (and an APR of 5.842%) based on the total of the index (assuming it had not changed from the first month) plus the margin. Since the payment is still based on 1.0%, it is possible that the accruing interest will exceed the minimum payment amount, resulting in negative amortization. The borrower may choose between paying the minimum payment, interest only payment or a fully amortized payment during the Option Arm period which can be as long as five years. At the end of each 12-month period, for the first five years, the payment can be adjusted up 7.5% of the payment amount. The Option Arm period of 5 years and the payments for the remaining term of the loan are subject to terms and conditions as well as potential changes and limits contained in your loan contract, mortgage, or other agreement. You may not be matched with the lenders(s) making this specific offer and some lenders may not offer this in certain states.