1st Nationwide Mortgage

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Lower Your Rate & Payment

person thinking about rate drop equals possible refinance refinancing house for a small payment

Amazingly low mortgage rates suggest a low payment for you

You may want to consider refinancing if your goal is to reduce your interest rate for a lower monthly payment. Some of the benefits of lowering your mortgage rate is you can use the excess money to add to your savings, pay off the loan quicker, pay more towards other debts, put money aside for college or university tuition, or something else.

Chances are you can save money if your interest rate is 1% above today's current rates. Some loan programs have a cost, and some don't.

You might benefit from paying points if you will own your home for a long time. To find out if paying points will be right for you, running the numbers will provide some insight. Use our refinance calculators or discuss it with one of our licensed mortgage originator.

Why you should choose 1st Nationwide

An advisor will let you know about the break-even period to recoup the costs and show you other options like what your payment will be with an adjustable rate mortgage as opposed to a 30-year fixed.

You may want to consider paying points to lower your rate if:

  • you're going for a fixed-rate mortgage
  • you plan on owning the home

Our most popular loan options for lowering your monthly mortgage payment

  1. FHA Loan
    Refinance out of an ARM with a fixed-rate loan using the government-insured FHA loan. Find out if you could refinance without an appraisal with our simple and quick FHA Streamline.
  2. 30-Year Loan
    Looking for a more traditional loan option? Lock in today with a 30-year fixed.
  3. Adjustable Rate Mortgage
    Get the lowest rate available with a 5- or 7- year ARM and potentially pay thousands less over a traditional fixed rate mortgage for the first 5 or 7 years of your loan.
  4. VA Loan
    Get a low rate and payment with the VA loan if you’re a qualified veteran, military member, or spouse. Ask us if you are eligible for the great benefits of a VA loan!



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1st Nationwide Mortgage Corporation
65 Enterprise
Aliso Viejo, CA 92656
(949) 207-3399

An Equal Housing Lender -   NMLS #1281

© 2005 1st Nationwide Mortgage Corporation. Trade/service marks are the property of 1st Nationwide Mortgage and/or it's subsidiaries. All rights reserved. * 1st Nationwide Mortgage offers these products through our family of companies. Purchase loans and Refinance loans are available for Jumbo mortgages , 30 year fixed, 15 year fixed, FHA loans, VA loans, HARP loans and Reverse Mortgages. *All of the scenarios listed above are subject to various credit debt to income ratio requirements that are subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Loans subject to approval. Rates and programs subject to change without notice. These materials are not from HUD or FHA and were not approved by HUD or a government agency. This is not an offer to enter into a rate lock agreement under CA law, or any other applicable law. CA Loans made or arranged pursuant to California Finance Lender Law License 603K287 and CA Bureau of Real Estate, Real Estate Broker - Broker#01517084, (213)620-2072, California Department of Corporations, Alaska #AK1281, Colorado Mortgage Company Registration, Florida MLD1423, Texas SML #1437886, Oregon Mortgage Lending License ML-5326, Virginia #MC-6675, Washington Consumer Loan Company CL-1281 NMLS Consumer Access.

We have helped thousands of customers refinance or buy new homes over the last decade, earning us an A+ rating with the Better Business Bureau