Trade In Your Old Mortgage For A New One.
People choose to refinance for a variety of reasons. The most popular is to take advantage of lower rates that significantly reduce monthly payments. Some refinance their home to take out the equity in the form of cash to pay bills, consolidate debt, fix their interest rate or to pay for college. Whatever the reason, Atlantic Bay Mortgage can help you achieve your goal.

FHA or VA (Streamline Refinance)
If your current mortgage is an FHA or VA loan, you want to lower your monthly payments, and your current mortgage payments are current, a FHA or VA Streamline refinance is very simple. There is no need to credit qualify, reappraise the property or verify your income.


Conforming Or Non-Conforming Refinance
Atlantic Bay Mortgage Group can refinance just about any mortgage to lower your interest rate. Borrowers must meet the qualifying criteria for the new mortgage program. This includes, but is not limited to: specified maximum loan-to-value limits, income, credit, assets, job history and residential history. Talk to an Atlantic Bay Mortgage Consultant to learn about your options.