Mortgage Refinance Programs
Helping homeowners get the perfect loan... Call 908-461-0865!
Mortgage Questions?
FHA versus conventional loan? Second home mortgages? Fixed rate or adjustable rate?
Worldwide Refinance is dedicated to helping you find exactly what you need in order to make critical and important decisions in planning the perfect mortgage loan for you and your family. We realize that picking the correct mortgage product will affect your lifestyle in a positive way, and we are here to help you with achieving this. You want a mortgage that you can be comfortable with so that you and your family can live the desired standard of living you want. Or, maybe you're considering an investment property, and need a certain amount of monthly cash flow or cash-out for other investments. We can assist you with that also. Mortgage loan refinance for real estate investments are still attainable through us, whereas other lenders have abandoned investment loans altogether. We offer plenty of conventional and creative mortgage options for homes in NJ, DE, NY, PA, FL, MD, NH, and CT.
We believe in providing you with several options so that you can compare rates and terms on our different loan products, and give you a one-stop shopping experience. Shopping for a mortgage on the Internet can seem daunting at first, but Worldwide Refinance is here to make it easy and unclutter a lot of misinformation you may hear on the TV or read in the newspaper.
Questions to ask when getting a mortgage loan:
FHA versus conventional loan
FHA loans; Grants available
Second home mortgages: Fixed Rate or Adjustable
What is a VA Loan
Conforming Loans vs. Jumbo Loans
What is a Jumbo home loan and what are the Jumbo ARM Loan Rates?
Much, much more. We help you use the right options for you.
Furthermore, we DO NOT sell or trade your information with any third party. One of the downfalls of mortgage shopping online, is that most websites will allow you to leave your contact information, only to sell it as a "lead" to 100 or more other companies! What happens next, is you have hundreds of people calling you and it doesn't stop for months on end. This is outrageous, and we do not condone this method of doing business. When you deal with Worldwide Refinance, you will have one representative contact you, that's it. We also have put together FREE e-book, titled "Top Ten Ways Worldwide Refinance can Help you get the Perfect Loan", which you can get just by filling out this short form:
Our personal guarantees to you...
We also provide a very exclusive Communication Guarantee and Satisfaction Guarantee to our customers that will be signed personally by your representative and even allows a place for you to sign. We guarantee that for every instance where you think your representative did not answer your telephone call or email promptly, we will deduct $50.00 from our closing fees and reimburse you! Some people may abuse this, but you are on the honor system and we trust you :) As you can see, we believe in putting our money where our mouth is.
We do our due diligence...
We also believe in doing a thorough evaluation of your loan scenario before we even start processing it. All too often, mortgage companies jump right into processing your loan without first making sure your property holds enough value to achieve your desired goal. The result is that you pay for an appraisal, only to find out that your property value came in too low to qualify you for the exact program you want. Worldwide Refinance takes steps to avoid that by doing a local property/neighborhood evaluation prior to ordering an appraisal. This way, there are no surprises when we get the appraisal report back. And to add to that, we also provide you instantly with your very own copy of your appraisal, as it is your right to have it. Many mortgage companies try to hide the fact that you are entitled to a copy of your appraisal, feeling that giving you too much information is "dangerous". This is nonsense and we don't condone this action.Lock confirmation on your loan...
There are many "bait and switch" tactics used in the mortgage business, none of which we subscribe to. Sometimes, mortgage companies will quote you a rate that doesn't exist or hide some of the closing costs. Worldwide Refinance has a policy to disclose all fees upfront to the client as well as the exact interest rate they will be getting. And we can prove it by giving you a copy of your Rate Lock Confirmation that discloses exactly what your closing costs will be and proves that we have locked in your desired rate. There will be NO surprises at the closing table.
Right of recision...
We provide a 3-day Right of Recision to all of our clients. If, for any reason, you decide that you don't want to go through with the loan, you will be happy to know that you still have 3 days after the closing to cancel the loan. Many companies won't make this opportunity known to you, but it is your right as a customer of ours.
FREE credit improvement services!
Yes, you read that correctly. If for some reason your credit score does not meet standard requirements for the type of loan that you seek, we can use our special Rescore progam to analyze exactly what steps you need to take to bring your score up to required level to qualify for your desired loan. Most mortgage companies will just tell you you don't qualify and ignore you, but not us. We want to earn your business by helping you out any way we can. If you credit score has fallen, let us help to pick you up!