 MortgageIT »
Provides complete mortgage services in many states throughout the nation.
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 Hartland Mortgage Centers »
A direct lender providing full-service mortgage financing to Arizona, Colorado, Iowa, Illinois, Indiana, Missouri, North Carolina and Wisconsin.
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 Star Mortgage »
Mortgage broker offers mortgage loan products in CO, FL, MA and TX.
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 World Wide Credit Corporation »
Family owned lending institution licensed in multiple states and specializing in residential financing. Features loan programs, company overview, employment opportunities. Based in San Diego, CA.
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 Adobe Financial Corporation »
A full service mortgage broker providing mortgage loans in Arizona, Minnesota and New Mexico.
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 American Home Equity Loans »
Direct lender offrees refinance programs for consolidating debts. Locations in Irvine, CA and Oklahoma City, OK.
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 CitiMortgage »
Provides residential mortgage financing throughout the United States.
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 Pacifica South Bancorp »
Provides owner-builder financing and construction loans for a variety of housing types.
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 PHHMortgage.com »
Retail mortgage originator offering full range of residential financing programs.
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 River City Mortgage & Financial »
Offers financing for a new home or refinancing for an existing home.
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 Nationstar Mortgage »
Retail non-prime home loan originator. Includes products, process, online application, career opportunities. Headquartered in Dallas, TX.
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 MortgageCafe »
Provides the ability to review products and services from the best lenders, with quick access to current lender information.
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 Quicken Loans »
Online lender offers simplified residential loans and competitive mortgage rates. Headquarters in Livonia, MI.
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 Alexander Mortgage »
Independent firm offers lending programs in several states. Features company overview and downloadable forms.
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 Access National Mortgage »
Nationwide lender. Features loan programs, online application, company overview. Based in Westminster, MD.
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 American Finance House LARIBA »
Offers a range of financial products according to Shariah principles; includes information on interest-free finance. Based in Pasadena, California, US.
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 Re-Mortgager »
Providing refinance of mortgage.
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 InterestOnlyLoans.com »
Nationwide database of mortgage professionals specializing in interest only, Jumbo and Super Jumbo Libor Loans.
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 The Credit Union Home Loan Center, LLC »
Offers to members of any credit union in the U.S.A. home mortgages.
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 JKS Mortgage, LLC »
Mortgage broker providing loan programs, online applications and rates to Arizona and California.
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 Neighborhood Financial Services Group »
Provides home loans, mortgages and lines of equity.
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 FHA Today »
Mortgage lender offers FHA financing and refinancing for home buyers nationwide.
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 1st Continental Mortgage »
Assists those in the market to buy commercial and residential property, licensed in 43 states.
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 First Centennial Mortgage »
Provides residential mortgage financing in 37 states.
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 GMAC Mortgage Corporation »
Provides loans, rates and information for first-time and experienced homebuyers. Includes articles and directory of local offices.
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 Mortgage Lenders Plus »
Nationwide directory of mortgage lenders organized by state.
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 Lending Expo »
A nationwide network of reputable lenders. Help in finding a lender in your area for mortgages and refinancing at competitive rates.
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 Great Eastern Investments »
Offers financing on commercial properties nationwide. Includes loan programs, company profile, recent closings.
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 MH Loans Corporation »
Provides nationwide financing of mobile and manufactured homes. Includes company profile, loan information, customer testimonials. Headquarters in Vancouver, WA.
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 Hard Money Funding, Inc. »
Offers a national database and source for hard money funding throughout the nation. Features company overview plus information on programs for borrowers, brokers and lenders.
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 Mission Hills Mortgage Bankers »
Direct lender provides residential mortgage financing throughout the nation. Features loan programs, online application, company profile. Headquartered in Santa Ana, CA.
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 Baron Mortgage Corporation »
Lender provides real estate financing in Alaska, California, Colorado, Connecticut, Florida, Indiana, Massachusetts, Montana, New Hampshire, South Carolina, Utah and Wyoming.
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 Mortgage4Homes.com »
Provides home mortgage, refinance, home improvement loans.
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 Virtue Mortgage, Inc. »
Specializes in commercial and residential loans as well as private and hard money financing. Features types of funding and programs available. Located in Mesa, AZ.
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 Ernst Financial Services »
Providing for all types of real estate loans, refinancing, first and second mortgages. Serving all 50 states.
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 Mortgage Investors Corporation »
Providing VA and FHA refinance and streamline loan services in 42 states.
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 Mortgage Office »
Residential mortgages for all types of credit in most parts of the U.S.
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 Approved Mortgage Corporation »
Residential mortgage lender financing homes in Indiana, Ohio, Kentucky, Missouri and Texas.
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 Ditech »
Offers new purchase and home equity loans plus refinancing. Includes company profile, FAQs, current rates, calculators.
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 First American Mortgage »
Full service mortgage broker, licensed in Pennsylvania and New Jersey, offering financing programs for home owners and home buyers.
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 ABC Loan »
Specializing in discount mortgage services with special programs for teachers.
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 Alexander Realty Capital, Inc. »
Nationwide commercial lender. Features company profile, downloadable forms, recent projects. Based in Key West, FL.
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 Home Finance of America »
Provider of residential lending services nationwide. Includes company overview, client testimonials, details on loan programs, FAQs. Based in Plymouth Meeting, PA.
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 Arizona Wholesale Mortgage »
Full service mortgage company providing loans in Arizona, Colorado, New Mexico, Wyoming, Montana, and Iowa.
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 Fast Mortgages USA »
Providing mortgage or refinance loans online. Loan programs for good or bad credit.
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 Money Store »
Providing loans for home improvement, refinance and debt consolidation.
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 Katz Mortgage Team »
Lender providing residential mortgages, mortgage re-financing and interest-only real estate investor loans.
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 Sunset Mortgage »
Providing mortgage service in all states.
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 Home Lending Texas »
Home mortgage lending for purchase, refinance and home equity.
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 Alliance Mortgage, Inc. »
National online mortgage broker specializes in low cost loans and refinancing for people with every type of credit.
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 Prosperity Mortgage »
Provides residential mortgages and finance services in the mid-Atlantic region.
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 America One Finance »
National lender. Features senior staff and company overview. Office locations in Arizona, Illinois and Washington state.
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 Mortgage Trust Group Inc. »
Mortgage broker providing loans in MA, CT, ME, NH, VT, FL and AZ.
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 Home Loan and Investment, FSB »
A regulated federal savings bank, was one of the pioneers of the non-conforming mortgages.
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 1st Midwest Mortgage Corporation »
Provides Wisconsin, Iowa and Minnesota residents with home mortgage loans including fixed rate, adjustable rate and balloon mortgages.
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 Provident Funding, L.P. »
Privately held non-bank owned provides a range of services. Includes online applications.
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 Farmer Mac »
Government agency which re-purchases farm, ranch, and rural homeowner mortgages, and is aimed to support agriculture.
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 Freddie Mac »
A guide to the mortgage industry, products and services, with the latest news.
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 AFC Mortgage »
Provides investment, primary residence and second homes loans in Alabama, Mississippi and Florida. Features products, market trends, online application.
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 Fannie Mae »
Provides financing for the multifamily and single-family housing market throughout the nation.
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 Lenders Xchange »
Marketplace where home finance lenders across the nation compete for a borrower's business.
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 Atlantis Mortgage Co. Inc. »
Licensed Mortgage Bankers in the states of NJ, CT, NC, SC and a Registered Mortgage Broker in the state of NY.
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 Provident Home Loans »
Licensed mortgage broker providing customers with the highest mortgage finance services.
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 Newport Capital Corporation »
Provides residential mortgages financing in Massachusetts and California.
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 Nationwide Mortgage Services »
Mortgage Bankers offering services for Residential mortgages nationwide.
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 Capital Financial Group »
A Mortgage Brokerage Company that provides financing options to meet all your individual needs.
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 MortgageEase.com »
Full service Lender providing home mortgage refinance loan services in Colorado, Connecticut, Delaware, Florida, Georgia, Maryland, Virginia, Washington DC and Massachusetts.
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 First Horizon Home Loans »
Nationwide provider of mortgages offering products and services such as mortgage calculators, re financing, home equity loans, online mortgage applications, home buying guides and debt consolidation.
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 Capital Resource Mortgage »
National mortgage network specializing in home equity and second mortgage loans.
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 EverHome Mortgage Company »
Offers home financing options in over 40 states, including reverse, government and conventional.
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 Ziegler and Company »
Provides long-term financing for churches and private schools nationwide. Includes team profiles, company history, description of services and locations.
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 MortgageBase »
Offers residential mortgage rates through wholesale lenders nationwide.
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 Matrix Bancorp, Inc »
Holding company subsidiaries which purchase and sell residential mortgage loans and residential mortgage servicing rights. (Nasdaq: MTXC).
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 Hartford Funding Ltd. »
Direct lender based in New York and licensed in New York and Connecticut.
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 Network Mortgage Servicing »
Specializes in the disposition of financial institutions' real estate owned (REO), including appraisals and broker price opinions. Features services and company profile.
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It's better to follow the 2% Rule which suggests that you can enjoy the benefits of a home refinance if your mortgage refinance rate is 2% lower than that on your current loan. The interest savings will help you recoup the costs you've paid for the new loan provided you stay in the property for a certain period of time (break-even period). However, there are no-cost as well as low-cost refinance loans wherein the costs are included into the loan. But you can expect comparatively higher rates on such loans. Moreover, these loans are limited when the market is in a credit crunch.
If you are refinancing from one ARM to another, check the initial rate and the fully-indexed rate. Also ask about the rate adjustments you might face over the term of the loan.