Refinancing offers you a chance to tilt your finances in your favor, whether you've owned your home for decades or just a few years, no matter how much your purchase price was or how much equity you have. Historically low interest rates and new "hot option" loans provide even better flexibility than ever before.

Here's a quick look at our most popular options:

The "80/20 Loan" with no PMI .Our most popular zero down loan, the "80/20" offers low payments, great rates and no private mortgage insurance (PMI) required, thanks to a 80% first mortgage plus a 20% second mortgage.

Zero down for "bruised credit" .Even a credit score in the high 500s still qualifies you for no-money-down financing. Refinancing in 2 years, once your credit score has improved, can lower the interest rate and reduce your payments.

The "103% Loan" .By covering some or all of your closing costs, this program requires the least amount of cash to purchase a home. Includes fixed or variable rate and no prepayment penalty if you have excellent credit.

100% or 107% Loan to Value (LTV) .No PMI. Available on 30- and 15-year fixed-rate programs.

Fixed Period ARMs . Low-interest, adjustable-rate mortgages (ARMs) offer fixed payments (even interest-only) for the first 3, 5, 7, or 10 years--appropriate for the length of time you plan to be in your home.

Option Pay ARMs .Gives you more power and flexibility over your monthly finances. Low monthly payments with up to 4 different payment options each month.

Hard to Prove Income, Stated/Low Doc/No Doc .The perfect solution for the self-employed, business owners, commissioned salesperson, tip earnings, fixed income and more.

Which loan is most appropriate for you? Complete our Quick App or call one of our loan analysts at , today!