Hello! I am currently looking to refinance a townhome worth 140K but under a ARM coming up for a rate change in July 2011

If your property is truly a townhome and not a condo, and your FICO scores are high enough, then we can get you a payment including MI but excluding taxes that is right around $730 based on todays rates.

Hi Marie....there are only two programs that allow refinancing when the property does not have equity. First the loan must be owned by Fannie or Freddie. You can check that at http://www.makinghomeaffordable.gov/get-assistance/loan-look-upThere are other guidelines to meet as well. Best to consult a mortgage professional to go over your scenario to see if you and the property qualify. I do offer an no obligation consultation. 877-369-4319.

Easy fix - and you dont have to pay any difference unless you want to. Under Freddie Mac and Fannie Mae's Refi Plus products you are able to get into a mortgage at 5% FIXED FOR 30 YEARS. Call Tri Star Funding and let us take the worry out of your refinance. 877-489-8249 - Ask for Daniel Lotter/CEO - Id be more than happy to answer any questions you may have.You can also visit us at www.tstarfunding.com