Lower your monthly payment by loan refinancing.

For fast answers on refinancing mortgages, home refinance
with cash out, interest only loans, "pick a payment" refinances,

and other high LTV mortgages for owner occupied, Non-Owner
Occupied (NOO), second homes and investment property,

... in all 50 states.

Why Mortgage Match?...

-- Because we offer the widest range

of financing solutions.

-- Because we feature fast quotes on all
loan types.

-- Because we promise to provide you with
lowest rate quote possible.

-- Because we provide you with the
easiest and fastest route to a good home
mortgage loan.

Why should I refinance?

Are there really loans available with "no closing costs"?

Can my closing costs be financed into the loan?

Are interest rates higher if I get "cash out" when I refinance?

Should I "pay points" to get a lower interest rate?

How long does the refinance process take?

How much will my closing costs be?

Will I have PMI on my refinance loan?

Should I refinance from an Adjustable Rate Mortgage (ARM) to a Fixed Rate Mortgage?

I believe I have bad or poor credit. Can I still refinance?

A.- Yes, usually all costs, impounds and fees, except your property's appraisal fee, can be financed into the loan.
An exception to this might be, if after these costs are added to the loan, your loan's Loan-To-Value (LTV) ratio
exceeds your loan's approved LTV ratio. Accordingly, it's possible to refinance your mortgage by only coming out-
of-pocket for the cost of the appraisal which is usually $300-$350.

A.- The interest rate you pay on a cash-out refinance loan will generally be the same that you pay on a non-cash-out loan.
There may be an incremental fee associated with a cash-out refinance loan depending on the specific loan program you
choose and the loan-to-value ratio. Using the equity in your home to pay off other bills can be a smart thing. Consider taking
some money out to pay off credit card bills, auto loans and any debt that has interest that is not tax deductible. You may be
able to deduct the interest on the money you take out to pay off that debt. Consult your tax advisor to be sure.

A.- First, paying points to buy a lower interest rate is strictly an option you have, if you're refinancing your mortgage.
However, paying points may not be your best option. Points paid on a refinance loan can be deducted from your taxes only
in small increments - 1/30th a year for a 30-year mortgage - meaning it could be several years before your lower rate
makes up for the points you pay. If you're buying a home however, points paid are a deductible expense for that year.
Consult your tax advisor to be sure.

A.- With Mortgage Match, refinancing usually takes 10 to 15 days... depending on a few things. One of the key factors
for timely refinancing is how quickly an appropriate appraisal can be obtained. In particularly active real estate markets,
appraisals can be difficult to schedule and have completed in a time-efficient manner. Having your paperwork available
and ready for verfication is a good idea too. See the checklist here. Being prepared in this regard helps to speed the
process tremendously.

A.- A general guideline is that your closing costs will be approximately 2% of your loan amount. And, this will cover
prepaid interest, taxes, impounds where they are required, and title insurance. However, in some cases your old
mortgage will have funds in escrow which may cover these costs. Most borrowers though, have these costs financed
into their loan when they can.

A.- The vast majority of borrowers will not have PMI with their loans. At Mortgage Match, we intentionally work
with lenders who only require PMI in certain, special situations.

A.- It really depends on your situation, and what your plans and goals are. Generally, it's a good idea to get the
lowest fixed-rate possible if you plan on keeping the property long term. And, if you can afford the higher payments
which may accompany a fixed rate loan for the first or next five years. However, if you're in the first year of a five-year
Adjustable Rate Mortgage, and you plan on moving in three years, it may not make sense for you to refinance. A
Mortgage Match Senior Loan Consultant can help you make the best decision.

A.- You don't necessarily need good credit to refinance your mortgage. In a refinance situation, lenders will look at
other things in addition to your FICO score. A big factor is your loan-to-value ratio. Also, you could have bad credit, but if
you've handled your current mortgage payments well... despite other problems, having a good mortgage payment
history can compensate for bad credit. Additionally, there are lenders who will even work with you if you're currently in a
troubled mortgage relationship. Overall, a lot depends on your unique situation. A Mortgage Match Senior Loan
Consultant will be glad to assist you in determining your best options when refinancing with bad or poor credit.

Take 1 minute to provide some information, and we'll contact you for your custom mortgage rate
quote. And, to help you determine which refinancing option is best for you.

The information you provide to Mortgage Match will be used to fulfill your request. Mortgage Match
does not share your information with third parties or outside companies for their promotional use.