finance Your Mortgage
Even If You’ve Been Turned Down Before
Bad credit? High interest rate? Self-employed? Recently divorced or late on payments?
NO OBLIGATION
NO CREDIT IMPACT
There’s no obligation to apply, and We start with a soft credit inquiry only, so your credit scores are not affected.
No upfront fees
No upfront application, consultation, or processing fees are required. All fees, if any, are disclosed prior to loan closing and are paid at settlement.
FREE FINANCIAL CONSULTATION
Get a personalized mortgage and financial review at no cost no obligation, no upfront fees.
You’re Not Alone And You’re Not Out of Options
Many homeowners believe they can’t refinance because of past setbacks. That’s simply not true.
We help clients who:
Our job is to find solutions not reasons to say no.
PROBLEM → SOLUTION
Common Refinance Challenges We Help Solve
You may be paying far more than necessary. Even a small rate reduction can save thousands.
FHA, VA, and alternative loan programs may still work — even with lower scores.
Bank statements and alternative documentation options may help you qualify.
Refinancing may lower payments or restructure your loan for better cash flow.
Access home equity to consolidate debt, cover emergencies, or improve your home.
BENEFITS
What a Refinance Could Do for You
Lower your monthly mortgage payment
Reduce your interest rate
Consolidate high-interest debt
Access cash from your home equity
Remove mortgage insurance (if eligible)
Switch from adjustable to fixed rate
Shorten or extend your loan term
Lock in more predictable monthly payments
Every situation is different that’s why we start with a free, personalized review.
HOW IT WORKS
Simple, Stress-Free Refinance Process
Tell Us About Your Situation
Complete a short form no credit pull required to start.
We Review All Available Options
We look beyond traditional bank guidelines to find the best fit.
Get Clear Answers & Real Solutions
We explain your options honestly no pressure, no gimmicks.
Move Forward When You’re Ready
You decide if and when to proceed.
Get a Free Mortgage Refinance Review
You’ve been denied before
Your credit score is lower than you’d like
Your income is non-traditional
There is no cost and no obligation to see your options.
Request My Refinance Review
CUSTOMER REVIEWS
See what our customers are saying about their experience, results, and service. Real feedback from homeowners who trusted us with their refinance needs.
Martha & Jeff W.
“I-Rate.org made refinancing incredibly easy. They explained every step clearly and found me a much lower interest rate than I expected. The process was smooth, fast, and stress-free. I’m already saving hundreds each month!”
Cassie & Edward G.
“I was hesitant to refinance, but the team at i-Rate.org was professional, responsive, and transparent from start to finish. They helped me consolidate debt and lower my monthly payment. I wish I had done this sooner.”
Susan & Robert M.
“Outstanding service! I-Rate.org helped me switch from an adjustable-rate mortgage to a fixed rate, giving me peace of mind and predictable payments. They truly care about finding the best option for their clients.”