Lower Interest Rates Than Your Credit Cards

Turn Home Equity Into Freedom:

Refinance & Pay Off Debt Fast

Refinancing with MiLEND can lead to significant savings. Enjoy lower interest rates that can reduce your monthly payments. Our flexible terms and cash-out options make it easy to access your home equity.

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Refinance & Pay Off Debt Fast

Refinancing with MiLEND offers you the opportunity to save significantly on your monthly payments. Consolidate your debt into a single, manageable loan and access the equity in your home to fund your dreams. Experience a seamless process with our expert guidance every step of the way

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Personal Loan Debt

Personal loans typically have higher rates than mortgages. Consolidating them into your mortgage lowers your overall rate and can cut your total monthly payments.

Credit Card Debt

Credit cards often carry interest rates of 20% or more. By refinancing your home, you can roll that debt into a much lower mortgage rate, slashing interest costs dramatically.

Auto Loans

Car loans may have shorter terms with higher payments. Refinancing to pay off your vehicle with home equity could reduce your monthly burden and free up cash flow.

Student Loan Debt

Student loans can stretch for decades. Refinancing to pay them off with home equity can secure a lower rate and shorter payoff time, potentially saving thousands.

Medical Bills

Unexpected medical expenses can balloon with payment plans or interest. Using a refinance, you can wipe them out with a single, predictable low-rate payment.

High Monthly Expenses

By refinancing and paying off these debts, even if you keep paying the same total each month as before, more goes toward principal — meaning you’ll be debt-free years sooner.

What Our Customers Are Saying

Get answers to your most pressing questions about mortgage refinancing with MiLEND.

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Frequently Asked Questions

If you have any questions, please contact us below.

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  • Who is MiLEND?

    MiLEND is a local mortgage lender licensed in 17 states mostly along the East Coast. Some fast facts:

    • Established in 1995
    • A+ Better Business Bureau rating
    • Inc. Magazine Fastest Growing Company 2011
    • Atlanta’s Best and Brightest place to work
    • Atlanta Business Chronicle Pacesetter 2011

  • How do I get the most out of my home appraisal?

    In today’s market, getting the most out of your home’s value is at the top of the list when it comes to being able to save money on any type of mortgage. The more your home is worth, the more mortgage options you will available to you.

    There are a lot of factors involved in the valuation of your home. Some of these are can’t be controlled by you, as the homeowner, but there are definitely some areas you can help.

    1. Be there when the appraiser gets there – Starting off on the right foot is important for everyone. The appraiser will schedule a time for you, and you shouldn’t be late.
    2. Make a list of any improvements or upgrades you have made to the house – Upgrading your home can keep it on the top of the value curve for your neighborhood. Make a detailed list of any home improvements you have made since you purchased the home. If you are interested in doing some home improvement, take a look at a few home improvements that give the most bang for your buck!
    3. Let the appraiser be the appraiser – All appraisers have to take classes and be mentored prior to become fully licensed. They are the most qualified to value your home, so let them work to get the best value from your home.

    The common sense approach is to just take care of your home. Don’t let your house fall into disrepair and keep on top of things that can really affect the appearance and value of your home.

    Also, remember, by law, a loan consultant cannot influence the appraiser in any way. Be wary of loan consultants that say they can guarantee the value of your home.

  • Why should I consolidate my debt?

    In today’s economy, debt is an unfortunate fact of life. The good news is things are getting better, and that gives you a great opportunity to start cleaning up your debt situation and relieve some of that debt stress. In the spirit of better days ahead, here are some tips for getting rid of that debt.

    1. Pay more than minimum – Paying more than minimum on your debt will help you lower the principle balance, which will also help you pay less interest over the life of the loan. Even paying just a little extra each month will help you over the long run.
    2. Debt Consolidation Loan – Use the equity in your house to consolidate your debt into one payment. Doing this will help you lower your monthly payment and save on interest compared to standard credit card rates. Talk to a MiLEND Mortgage Consultant about a debt consolidation loan.
    3. Roll old payments to different debt – Once you are done paying off one debt, roll that payment into the next debt. This is called “snowballing your payments” and can result in paying off your debt surprisingly fast.
    4. Move your debt to a lower interest loan – Credit card companies are notorious for having very high interest rates. They are also famous for offering extremely low initial interest rates. Move all your high interest rate credit card debt to lower interest rate credit cards. If your credit can handle it, apply for a new low interest card and transfer all your high interest balances to that card.
    5. Ask for lower interest rates – Credit card companies want your money. It doesn’t hurt to ask for a lower interest rate, especially if you have the leverage of a lower interest card and are able to move your money to another company.
    6. Borrow from yourself to pay off debt – There are people that will tell you to never touch your 401k or savings accounts. I ask you to look at the numbers. If your 401k is making about 8% and your savings account is making about .3%, and your debt is costing you 18%, which one is winning? Take money from your savings or 401k and pay down the 18% debt. Once you pay that high interest debt off, pay yourself back with the monthly savings.
    7. Borrow from family to pay off debt – This is a tough call because it is always hard to ask family for help. However, you may be surprised how quickly friends and family may jump to your aid. Work out a loan repayment plan and set up a contract just like you would with a lender. If it will seal the deal, offer to pay them back at a low interest rate. This is one debt you will never want to default on.
    8. Stop spending more than you have – It’s hard to admit, but sometimes we just spend more than we are able to spend. Evaluate everything you have and budget appropriately.

    We are not financial advisors and this is not meant to be anything other than a list of friendly neighborhood tips. It’s always a great idea to do research on your own and see what kind of options you have out there.

  • What kind of documents will I need for a refinance?

    The document list for a mortgage loan can look pretty daunting, but the faster you can get the information together and back your MiLEND mortgage loan consultant, processor, or underwriter, the faster they can get the file processed and closed.

    To help you get a head start, we put together an online list of documents for the most common situations.

    Everyone getting a mortgage loan will need:

    • Copy of your W-2s for the last two years
    • Copy of your paycheck stubs for the last 2 months
    • If commission or bonus income is applicable and is more than 25% of base salary, you will have to provide your tax returns
    • Copy of your checking and savings account statement for the last two months (ALL PAGES)
    • Copy of any quarterly or semi-annual statements for any investment or retirement funds (ALL PAGES)
    • Employment history for the last two years
    • Residence history for the last two years
    • If you have paid off any mortgage in the last 2 years, you will need a copy of the HUD-1 Settlement Statement
    • Copy of the driver’s license and Social Security card for all borrowers
    • If you are purchasing a home or investment property, you will need a copy of the sale contract when signed by all parties
    • If you are refinancing, you will need a copy of your home owner’s insurance policy

    If you are a Self-Employed Borrower, you will also need:

    • Copy of your most recent 2 years of tax returns, including all schedules
    • Copy of your current Profit and Loss Statement and Balance Sheet
    • Copy of corporate / partnership tax returns for the most recent 2 years (include copies of W-2s or 1099s)

    If you are getting a VA (Veteran’s Administration) mortgage loan, you will also need:

    • Your original Certificate of Eligibility and a copy of your DD214 Discharge
    • The name and address of your nearest living relative

    If you have filed for a bankruptcy, you will need:

    • Copies of the petition for bankruptcy and the discharge. Be sure you have ALL supporting documents.
    • Divorce decree

    If you receive any Social Security or retirement income, you will need:

    • Copy of the bank statement showing your direct deposit and the most recent award letter

    This list covers the majority of the documents you may need prior to closing your home mortgage loan. There is always the chance another document may be requested, but this is a great head start!

  • How much are the closing costs?

    Closing costs vary. Depending on the loan size, MiLEND may be able to credit some or all of the closing costs.

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(www.nmlsconsumeraccess.org)

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