Low closing cost loans make home ownership easy and affordable. With no bank fees or points, all you need is your down payment, and any pre-paid expenses like insurance and taxes and interest. The mortgage rate is higher than traditional rate. When you think of the size of this type of financial transaction, the difference between a tenth of a percentage point can translate into thousands of dollars in savings on one hand, or interest paid out on the other hand. Our job is to help you come out on top. We want you to be a master at low closing cost loans. Our loan officers guide you through the often difficult and confusing process of choosing and getting the exact home loan mortgage to meet your specific needs.

Low closing cost loans program has resulted in profound savings for our clients. It is the only logical approach to achieve the lowest cost home mortgage today. There is no smarter choice you could make. The Low closing cost loans program is ideal for homeowners who lower their monthly payments without paying closing costs. It may be applied to the refinance of owner occupied, second homes, single family homes, town homes or condominiums. Underwriting guidelines limit approval to applications with excellent credit and sufficient income to qualify. The minimum loan amount is $125,000 and the maximum is $300,700. 

Refinance your home without raising your loan amount. A Low closing cost loans are available, however, the interest rate may be higher than if you add the closing costs to the loan amount. Don't let anybody fool you---there is no free lunch. You will pay closing costs, either through a higher interest rate or through higher loan amount. The choice is yours. Even at the same rate you may currently have, logic and history suggest you take all you can get under these terms. If rates go lower you simply refinance again to lower the rate. It's easy and it's free. If rates are never lower, this will be the cheapest, longest term money you may ever have had the opportunity to borrow in your lifetime. Given this phenomenon you are better off with excess equity invested elsewhere.