Refinancing Online

Certainly you have heard about the crisis currently going on in the mortgage industry. FreeHomeRefi.com has setup relationships with the top lenders in the country to create a breakthrough program for consumers. We were able to negotiate with lenders to guarantee a no cost refinance mortgage. Lenders are struggling to find clients and we have capitalized on this situation and transferred the benefits to you. FreeHomeRefi.com will help you find the cheapest fixed rate mortgages with no closing costs.

How does the refinance process work?

Simply fill out our quick and easy refinancing online application for the specific type of mortgage refinance that you are looking for.  Our database is setup to determine which lender will be able to offer you the best rate and program for your current mortgage refinancing needs and that lender will contact you very shortly.  Whether you’re looking for a cash out refinance mortgage to pay off debt or a lower interest rate, there will be no closing costs.  FreeHomeRefi.com can offer you low rate fixed mortgages as well as adjustable rate mortgage loans with our no fees guarantee.

What documents will the lender need? 

The following are basic documents for a borrower that will be verifying income but documents will vary depending on the type of loan you are looking for and your employment status.  Our lenders will work with you to determine what type of loan program will be most beneficial to you for your refinance mortgage.

• Current Mortgage Coupon
• Current Pay Stub
• 2 months Bank Statements
• Most Recent W-2
• Homeowners Insurance Info.
• 2 years 1040’s if self-employed
• Asset Statements (stocks, bonds, cd’s, etc.)

Credit Score

Your credit score is very important to achieve the lowest rate on your mortgage refinance.  The credit score is one of the biggest factors that a lender will take into account and it will also allow you to provide less documentation to the lender.  A very high credit score may allow you to qualify for the lowest rate available and you may not be required to provide income and asset documentation.  The lender will work to find the lowest rate possible on your no cost mortgage refinance while also making the process simple for you.  If you’re looking for home equity loans or shopping for the current average 30 year fixed mortgage rate your credit score will be crucial to getting the lowest mortgage refinance rates.