Our Signature Programs – Always Helping You Save Money
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Premium Rate ProgramFinally a program that rewards your excellent credit! Your high credit score combined with debt to income of less than 45%, and Equity in your home greater than 20% qualifies you for this exclusive low rate program. |
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Zero Points, Zero Closing CostsRefinance your current mortgage with our low rate, zero cost program. Pay zero points and zero closing costs. This program allows you to refinance again at no charge after six months if the rates continue to decrease and we can reduce your rate by 1/4 or more. |
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105% Loan to ValueThe Mortgage Specialists has the most innovative programs in mortgage financing today. Don’t miss the financial opportunity of a lifetime! Let us help you find out if you qualify to refinance at 105% of the value of your home with no mortgage insurance. If you have been declined for value in the past, now is the time to apply for great low fixed rates. Pay back less on your mortgage loans! |
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Rate WatchRate Watch is our exciting new program where you register for our daily rate updates. We will email you the changes in the market so you can follow it like a professional and make your own decision on what rate to act on.Click here to sign up > |
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Term-InatorThis is one of our most popular programs! It works by lowering your rate one-half to five-eighths percent and instead of re-casting your mortgage to 30 years, what we do is lower your term until your new payment (at the lower rate and lower term) is equal to your current payment! It is common to cut 3-6 years off your mortgage AND save TENS of THOUSANDS of DOLLARS over the life of the mortgage home loan. |
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Debt MasteryLet us help you REDUCE your monthly payments and INCREASE your credit scores! With consumer credit card debt at an all-time high, we developed a program specifically geared towards consolidating those high interest rate credit cards. We do this by rolling all of your debt into one low fixed rate payment that not only allows you to pay principle monthly but is also Tax Deductible! The program WILL save you hundreds, if not, thousands of dollars per month! |
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Quarter DownThis has been a hallmark program of the Mortgage Specialists for years! This program monitors your rate daily and if we can lower your rate by a quarter point or more, we will contact you and close your loan again. This program remains active based on market availability. |
