Roseville Mortgage Refinance

Well for those who haven't notice Interest Rates are EXTREMELY LOW here in Roseville, CA.

(This is the first week of December 2008)

Right now rates are as low as they once were back in the 2002 and 2003 and that was LOW!

Right now I am seeing things around 5% (APR at 5.3%) on a 30 year fixed loan for Conventional financing. Conventional financing can be defined as any traditional income and equity loan or easily verified income and at least 20% equity in your personal property.

Non-traditional mortgages are still available but often times not at the lowest rates BUT they will still be much lower thanks to an improved interest rate market.

OK, there are also solutions for those who have decreased home values like many of us in the Roseville, CA area have seen. FHA has provided this solution and you can apply for this loan to have your overall Payments improve as well. Don't forget that ARM loans should be evaluated at this point because rates will NOT get back to these levels any time soon.

Lastly, If you are Upside Down on your mortgage and live in the Placer County area or elsewhere then we can help there as well. There are several loan programs available to Refinance your Upside Down Mortgage or to do a Mortgage Modification, just follow the links here.

It has never been a more important time then now to work with a professional mortgage consultant because of experiences we saw in the last market. I know you may not know who I am but please look around my site here and on my site designed to help people with Loan Modifications and Upside Down Mortgages just so you learn a little bit more about me.

As always I am here to help so please contact me at brent@brentlane.net and I will help where I can.