Refinance Your Mortgage to Get Lower Interest Rates and Lower Payments in Orange County CA with Emortgage Capital NMLS ID:849167

Emortgage Capital is Orange County's source for can low interest rate mortgages.

Now is the great time to consider refinancing your home mortgage since mortgage rates are still low. If you are still in a high interest rate loan, getting a lower interest rate and lower monthly payments could mean significant savings on your mortgage over the lifetime of the loan. E Mortgage Capital’s experienced team helps residents of Orange County make the best choice for refinancing a home loan.

E Mortgage Capital will discuss all of the options available to you refinance your home to lower your monthly payment and lower your mortgage interst rates. Depending on your current mortgage terms and financial situation, you may qualify for one of the following refinance programs:

Fixed Rate Mortgages: When rates are low, refinancing to one of our Fixed Rate Mortgages can lower your monthly payments and save you money in interest payments. There are several fixed rate mortgages to choose from, and E Mortgage Capital can help you decide which loan is right for you.

FHA Refinance Program: If you currently have an FHA loan, the FHA Refinance Program can be an easy way to lower your debt and interest rate. We can help you refinance your debt to up 95 percent of your home’s value.

VA Interest Rate Reduction Refinance Loan (IRRRL): A federally-insured loan program to help veterans refinance their existing VA Home Loan into a loan with a lower interest rate. It is easy to qualify and a great refinance opportunity for current VA mortgage holders looking to lower their monthly mortgage payment.

Each loan has different restrictions and qualifications. E Mortgage Capital’s experts will help you select the best refinancing options and manage your mortgage throughout the entire loan process. If you want to see how these options can directly affect your rates, try our mortgage loan calculator.
Improved your credit? Improve your loan

If you applied for a mortgage with bad or no credit, your interest rate may be higher than the national average. By paying down debt, making payments on time and practicing responsible borrowing behavior, you can raise your credit score and qualify for a better mortgage interest rate. E Mortgage Capital offers programs for consumers whose credit has been impaired in the past. If you have a history of bankruptcy, late payments or other credit problems, we may still be able to help lower your interest rate and monthly mortgage payments.

Secure your financial future with a Reverse Mortgage

With a government insured Reverse Mortgage Loan from E Mortgage Capital, homeowners 62 and older can enjoy a dream retirement by turning home equity into tax free cash. A reverse mortgage can leave you extra money that can be used to travel, cover the cost of healthcare and prescription medications, eliminate debt, cover home improvement costs and more. This loan allows you the option to receive the income as monthly payments, a lump sum, a line of credit or a combination of all three.

To learn more about E Mortgage Capital’s home financing solutions for lowering your interest and monthly payments, request a quote online or contact one of our experienced mortgage refinance professionals by calling (855) 569-3700(855) 569-3700 FREE.