Rate and Term

MORTGAGE-WORLD.com is an online mortgage company specializing in FHA, Conventional, VA, USDA and Non-QM Near-Prime loans.

MORTGAGE-WORLD.com is your Rate and Term refinance experts with over 20 years of experience originating loans. Since 2008 we have specialized in loans for borrowers with less than perfect credit and borrowers with alternative documentation of income or no income verification.

Purchase Loans or Refinance Loans

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RATE AND TERM

Eligible property

  • Single Family
  • 2 Unit
  • 3 Unit
  • 4 Unit
  • Coop
  • Condo
  • Condotel
  • Townhouse
  • Second Home
  • Double Wide
  • 3 Investment
  • Mix Use
No Doc Mortgage 2025No Doc Mortgage 2025

Call us now 888.958.5382 for a quicker response!

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Rate and Term Refinance

Rate and Term refinance allows homeowners to refinance their existing mortgage by taking out another mortgage in order to change the term and/or rate. Maximum loan to value for a rate and term refinance is 97.75%.

Qualifying for a rate and term refinance:

Conventional – minimum 620 credit score up to 97.75% LTV

FHA Rate and Term – minimum 500 credit score up to 90% LTV

Self-Employed – minimum 500 credit score up to 90% LTV

Non-Conventional – minimum 550 credit score up to 65% LTV

No Income Verification – minimum 680 credit score up to 75% LTV

Refinance – Everything You Need To Know 

The “Four C’s of Credit” (Credit history, Capacity to repay, Cash to close, and the Collateral). You may not need equity in your property or good credit! There are programs available that do not require income verification, equity or good credit to refinance.

To begin the process of refinancing apply online or call us.

Call us now 888.958.5382 for a quicker response!

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Call us now 888.958.5382 for a quicker response!

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rate and term

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