Home Loans and Services

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The affiliates of Lowest Mortgage Rates 4U offer a complete array of programs for home loans to meet your needs. The following represents a small sampling of the home mortgage products they provide: First Mortgage Loans: Conventional, FHA and VA home loans for almost any circumstance. Fixed and variable rates, fixed term with and without baloons, the choice is yours. 100% Financing Mortgage Loans: Ideal for first-time buyers, these no down-payment mortgages can help reduce or eliminate nearly every cost associated with obtaining home loans. These programs normally combine two loans: An 80% first mortgage, and a 20% second mortgage. The interest rate is typically the weighted average of the two home loans.

Conforming Mortgage Loans: Conforming long-term, fixed-rate and adjustable mortgage loan that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Generally has higher loan limits than VA and FHA home loans.

Refinance Loans: Including cash-out and consolidation for all types of credit.

Home Equity Loans: Great way to help finance those remodeling projects that will improve the value of your home. Also a good tool to help you with debt consolidation. Home equity lines of credit up to 125% of the value of your home.

Debt Consolidation Loans: Credit Problems? Consolidate bills. Pay off credit cards. Lower monthly payments.

No Income Verification Home Loans: Ideal for the self-employed with good credit, loans where borrowers agree to put down 10 to 30% equity in exchange for reduced documentation requirements.

VA and FHA Loans: Government insured and guaranteed long-term, fixed-rate and adjustable loans. Nehemiah Program Grant Funds are also available. See Other Resources for more details.

Second Mortgage Loans: After a while, you may wish to borrow against the equity in your home to get cash, to make home improvements, to education, or to consolidate personal debts. Because such home loans are in addition to the first mortgage on the house, they are commonly called "second mortgage" loans.

Construction / Home Improvement Loans: Building a new home? Need a loan for your home improvement project? We can help you.

Lowest Mortgage Rates 4U is a website consisting of Internet based resources pertaining to various types of mortgage loans and services. Our goal is to provide our website visitors a starting point for their search. We are not mortgage brokers or morgage lenders. We simply provide a service to enable visitors to this website access to other independant websites. We do not recommend one provider over any other.