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Refinance We have several Refinance options with great benefits Up to 103% No Money Down Fannie Mae / Freddie Mac FHA VA Refinance Programs Fixed Rate Mortgages Adjustable Rate Mortgages Interest Only Mortgages HELOC Jumbo Stated Income / No Doc Investment / 2nd Homes Overview Rates do vary but in general thay are based on the purpose and type of the loan, your income, property value, the loan amount and of course your credit history. Points are fess added to loans and each point usually represents 1% of the loan amount. They are paid at loan closing if you are willing to pay them. Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a yearly rate. Because APR includes points and other costs such as origination fees, it's usually higher than the advertised rate.