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As a consumer
you naturally want the best possible interest rate and mortgage program. The best
refinance program is one with no points and no closing costs. The purpose of
this website is to inform you of mortgage programs that allow you to keep your interest
rate low or stabilize it with absolutely no points and no closing costs rolled into the
loan. (Escrows, i.e. taxes and insurance, are excluded) First Meridian pays
for the appraisal, title insurance, recording... everything. You don't lose any
First Meridian has taken the No Closing Cost Program to a new level. Kenneth Harney, a
nationally syndicated columnist who writes for The Washington Post described the program
and said, "And with...innovative zero cost adjustable rate mortgages in the 6 1/4
percent to 8 1/4 percent range, refinancing just might make sense for you and thousands of
We can help you....
- If your adjustable rate mortgage payment
has increased or will increase shortly.
- If your current interest rate is higher
than current market rates.
- If you currently paying mortgage insurance.
- If you are in the last year of the initial
(i.e. you are in the 2nd year of a 3/1 ARM)
- If you have a balloon mortgage payment that
is coming due.
- If you have a buy down mortgage payment
that has increased.
- If you will not be in the property as long
as you originally thought.
The benefits of this program are obvious.
The borrower saves thousands of dollars in closing costs. The difference between a loan
with closing costs and no closing costs is typically only .25%. The cost to refinance, for
example a $200,000 loan, however can be as much as $2,200.
First Meridian offers the no closing cost refinance on
primary residences only. The no point and no closing cost refinance programs offered are
the 1/1ARM, 3/1ARM, 5/1ARM, 7/1 ARM, 10/1ARM, 15 and 30 year fixed.
The process is extremely simple and
convenient. Applications can be taken over the phone or at your home or office or our
online application. Also, settlements can be
conducted at your convenience. You can reach an experienced loan officer at the office or
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First Meridian has refinanced hundreds of
people just like you with this program. Many more than once, over the last 4 years. People
think it is too good to be true so they miss out on this tremendous opportunity. It is
true and all terms are put in writing. If your monthly mortgage payment has recently gone
up or will go up, contact us because it simply makes sense.
It makes sense to refinance with no points and no closing costs because your savings