Should I Refi.com | Home Loans | Purchase | Refinance | Debt Consolidation

Take a couple quick minutes to fill out our free home purchase or refinance questionnaire and a local, knowledgeable, mortgage professional will contact you within 24 hours.

"My wife and I have been in our new home for 6 months now and I wanted to say thanks again for all of the hard work that was done on our loan and getting us in our house. We love our new house and couldn't be happier. Thank you for helping us through everything.”

Matt M.

If you are looking to purchase a home or wondering if refinancing is a smart financial decision for you or wondering if you're getting the RIGHT MORTGAGE for YOUR SITUATION, you've come to right place. The approved mortgage professionals who are the members of Should I Refi.com are here to help educate you about mortgage programs that best fit your needs if you are purchasing a home and refinancing your existing mortgage. Best of all, our members live and work in the same communities that you do, are familiar with your real estate market, and can meet in person to help guide you through the mortgage process from application to closing.

After filling out one of our online forms, our software transmits your information to our approved member from your area who will assist you in obtaining the optimal financing for your situation if you are purchasing a home or can help determine if refinancing will benefit your financial situation and explain to you which programs you may or may not qualify for. Our online purchase and refinance form provide your mortgage professional with enough information so he or she will have a good idea of what you're looking to do or what your current situation is.

At Should I Refi.com your questions HONESTLY and our members will provide the very BEST LEVEL OF SERVICE that you are looking for as well as the EXPERIENCE and GUIDANCE that is essential in today's lending and real estate market!

Latest Blog Posts

What are the current government refinance programs?

Earlier this week, President Barack Obama, announced a program to help struggling homeowners refinance their mortgages. The president is betting this plan will fare better than his administration’s earlier efforts to fix the housing market. Here’s a look at what the current plan has had to offer. If your current mortgage is owned by Freddie [...]

What are some of the mortgage programs people are taking advantage of?

Bad news for the economy is good news for mortgage interest rates. If you’ve been paying attention to the news over the last year, you’re aware there hasn’t been much to be happy about in regards to our economic recovery, so rates have dipped to historic lows. It seem each week mortgage rates are falling [...]

Mortgage application turned down – had to change loan programs due to qualifying issues?

If you’re running into any one of those problems go online and jump on our live chat and have someone call you right away. Or we also have a second opinion form on the website, so if you need a second opinion, fill out the form and get clarification. In this business you hear the [...]

Rates dipped to record lows yesterday – mortgage apps rise

In case you missed it yesterday, fixed mortgage rates once again skidded to a record low. Freddie Mac said the average rate on 30-year fixed mortgages fell to 3.89% on Thursday. It’s the lowest on record dating back to 1971 when Freddie started collecting data. That’s below the previous record of 3.91% three weeks ago. [...]

Many potential buyers don’t have the income to qualify or don’t have their down payment saved. What can be done to help?

As far as income goes, both conventional and Federal Housing Administration mortgages allow for non-occupant co-borrowers which simply means that if you can get a family member to co-sign to help you qualify. For FHA mortgages you can put as little as 3.5% down with a non-occupant co-borrower and 20% down for a conventional mortgage. [...]