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xHome Refinancing Rates

Lots of companies advertise low refinancing rates for consumers. What they don't always advertise are the high closing costs, loads of red tape, and confusing paperwork. At Downs Financial, Inc., we make it our business to be straightforward with our customers. You'll always know exactly what type of deal you're getting for your money with no hassle.

As well, we're a direct lender, so there are no hidden fees or delays in funding approval. We can approve you in a matter of minutes and close your loan in a few days, not a few months. We offer a wide selection of loan programs to match all our customers' varied needs.

The say the only thing constant in life is change. We know this better than anyone and have loan programs for every situation and income requirement. We offer fixed rate, adjustable rate, no income verification, and home equity/second mortgages.

Our fixed rate mortgages come in several varieties. When you choose a fixed rate loan, you'll enjoy consistent monthly payments, allowing you to budget accurately and efficiently. Fixed rate mortgages often allow our homeowners the opportunity to save their money more wisely because they can accurately predict how much disposable income they'll have every month. We have 15, 20, and 30 year fixed rates.

Our traditional ARMs (Adjustable Rate Mortgages) offer two, three, or five years at a fixed rate, then convert to flexible adjustable rates. No income verification mortgages are ideal for self-employed people and home equity loans are available in 10, 20 and 30-year increments.


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