Call 1-800-928-6154                      Refinance
Introducing the FHA Streamline Loan. No
Income, Appraisal or Credit Requirement

FHA streamline refinancing has become an increasingly attractive option for
FHA mortgage holders. It has been in effect since the 1980s for insured
mortgages and those who want to refinance for a number of reasons.
"Streamline" refers to the reduced amount of paperwork and approval
processes needed to receive refinancing on a current FHA mortgage. There
are two types of FHA streamline refinances: without appraisal and with
appraisal.   
Apply now.
Mortgage Products Offered

Fixed Rate

With a our Fixed Rate Home Mortgage, your monthly principal and interest payment are fixed for the life of
your loan. It makes managing your money simpler because this element of your monthly budget always
stays the same.

Fixed Rate Mortgage benefits:

Standard 60-day rate lock.
240-day rate lock available.
3% down for the same low rate on purchases.
No PMI with as little as 3% down. (Most lenders require 20%.)
Same low fixed rates and terms for condos.


Adjustable Rate

These loans offer lower rates and lower payments for a full 1, 3 or 5 years. Plus, you have the flexibility to
convert to a fixed rate loan – AT NO COST.

Adjustable Rate Mortgage benefits:

Lower monthly payments for 1, 3 or 5 years - A 5 year, $165,000 ARM will save you about $100 per month
compared to our 30-year fixed rate mortgage.
Lower locked rate for a full 1, 3 or 5 years – usually 1% below our 30-year fixed rate mortgage.
Options to convert to a fixed rate for FREE!
For 5-year ARMs, we qualify you based on the lower initial interest rate, so you'll qualify for more house.


Interest-Only Loans
These loans can lower your monthly payment by
hundreds of dollars. And because there is no prepayment
penalty, you can make principal payments during the
interest-only period.

Interest-Only Mortgage benefits:

Lower payments - A 5 year, $200,000 Interest-Only ARM will save you about $350 per month compared to our
30-year fixed rate mortgage.
Lower Rates - Usually about 1/4% lower than interest-only loans offered by other lenders.
Guaranteed Rate - Your rate is fixed for as long as 5 years. Other lender rates could start going up after the
first month.
No Prepayment Penalty.
Available on 1, 3 and 5 year ARMs.


No-Cost Loans

A mortgage with no costs - no points, no application fee, no appraisal fee , no processing fee, no credit report
fee and no lender costs. That’s a savings of about $2,000 right up front for most homebuyers. And, you only
need 3% down.

No-Cost Mortgage benefits:                    

No points or credit report fee
No application or processing fee
No buyer's closing costs or appraisal fees
Save around $2,000 upfront
Only 3% down


Construction and Rehab Loans     
Call for rates

Our Home Construction/Permanent Loan allows
you to arrange both the construction loan and
permanent mortgage financing for your new
home in a single transaction.

Construction Loan benefits:

Rate is locked in at time of application – not when the home is completed. So you don’t have to worry about
rising rates.
Your rate stays locked for as long as 12 months while your home is being built - Other lenders don't offer this
kind of protection.
You can select either a fixed rate or adjustable rate mortgage.
Six draws.
No second closing, so you save money.
Lot loan programs available – ask Cohen Financial Group for details.


Bridge Loans

At Cohen Financial Group, you can still buy before you sell. Our Bridge Loan allows you to defer payments on
your current house - leaving only the payment on your new home. So you don't have to worry about more than
one mortgage payment while you're selling your old house.

Bridge Loan benefits:

No Application Fee
No payment for up to 12 months, giving you more time to sell your home - most other lenders give you six
months or less!
No prepayment penalty
Rate is locked in at time you apply
Simple application process
Up to 85% loan-to-value
Borrow up to $15,000,000 with ample equity and approved credit

Bridge Loan Rates

Term  Points  Rates  APR  
1 Year 0 pts 7.75%% 7.96%%


Home equity financing

As you repay your mortgage, you will gradually build up equity in your home.  You can borrow against that
equity when you need cash, using either a loan or a line of credit.

Home equity loans give you the cash you need as a single up-front payment, which you can repay at a fixed
rate.  If you know exactly how much you need to borrow, a home equity loan may be the best option.
Home equity credit lines give you a revolving source of cash that you can draw from as you need to, up to a
maximum amount.  The line carries a variable rate with an interest-only option, and you pay interest only on
what you actually use — not the total amount of the credit line.
Home Equity Solutions

Loan - secure your rate
and payments

FHA Streamline Loans
No Credit, Income or
appraisal needed!
Fixed Rates  

Term       Type             Rates       APR  
30 Year  Fix               4.125%       4.551%     
15 Year  Fix               4.00%         4.629%
5 Year Arm                4.50%         4.652%

*National Mortgage Average, 417k Loan, 80%LTV,
Terms and Conditions Apply
Home Refinance With Bad
Credit

Refinance Having Good
Credit

Home Refinance And
Cash-Out

REFINANCE AFTER
FORECLOSURE

Home Equity Loans & Lines
Of Credit

Homeowner Debt

Consolidation Loans

REFINANCE WITH A
BANKRUPTCY

Interest Only Home Mortgage
Loans

Home Improvement Loans -
All Credit

Government FHA & VA
Loans

First Time & New Home
Purchases

ZERO DOWN & NO-DOC
Refinancing

Rates starting AS LOW AS
1.9%

Loans UP TO 125% Of

Home's Equity

Loans Available
NATIONWIDE

Loans For ALL TYPES Of
Homes

FREE Mortgage Kit And
Calculators

Results in LESS THAN 24
HOURS

4 OUT OF 5 Applicants
Approved!

1-800-928-6154

            
                                
 ____________
You need Java to see this applet.
FHA Streamline- No Appraisal- Fast Funding

Take Advantage of The FHA
Streamline Refinance

The mortgage that you would like to refinance should
already be a FHA-approved mortgage.
Cash cannot be withdrawn from equity when using the
streamline without appraisal option.
Refinancing should be for the purpose of lowering monthly
principal and interest payments or locking your adjustable
rate to a fixed rate.
Mortgage payments must be current, and a 12-month
mortgage payment history will be assessed to make sure
that no payments have been late.
No income, asset, or employment verifications are needed
to qualify.