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	Subprime Mortgage Crisis Help Taking into consideration the latest turn over of the housing market, there are many consumers that have been left without a home. Here at LCD, we have some good news: with a little assistance and subprime mortgage aid, this situation could be avoided. Obviously, it is not easy to get rid of a stressful mortgage, but now there are some subprime mortgage assistance programs being designed to help homeowners. Read More FHA Home Loans and FHA Streamline Refinance Are you scared to buy a home due to the collapse of the subprime mortgage industry? Don't worry, FHA insured home loans are back and more popular than ever! Once again, borrowers are looking at FHA mortgage loans as a viable option, especially for first time homebuyers. 97% FHA financing is still available for borrowers regardless of credit score. Read More Is Your House Worth Less Than Your Mortgage? So what's a homeowner to do? The good news is there are a number of things that can be done. The first part is related to refinancing and the second is related to improving on your home itself. Read More Top 5 Reasons To Refinance Your Mortgage The most common reason that people refinance their mortgage is to save money on their monthly payments, however there are a variety of other reasons that refinancing can be beneficial. Read More Avoid These Mortgage Refinance Mistakes Borrowers must be aware that, if done incorrectly, refinancing could actually end up costing you a substantial amount of money. To help you avoid the mistakes that other borrowers often make, we've compiled a list of some common mistakes that you should avoid at all costs. Read More Tips To Winterize Your Home and Lower Your Energy Bills Here at Loan Choice Direct, we have compiled a list of important tasks that you should do before winter rolls into town to ensure that you save money on your energy and maintenance bills. Not only will these tips save you money this winter, they can also help protect your family from potentially dangerous situations. Read More Mortgage Terminology For The First Time Home Buyer Are you looking for a mortgage or trying to refinance but are confused by all the industry lingo? This article will help clarify many of the everyday terms used in the mortgage industry. Read More Bad Credit Debt Consolidation: The Bankruptcy Alternative Many people experience times of hardship where you're forced to rely on racking up credit card debt because you can't afford to pay your bills. Difficulties often arise when it is time to pay back these bills after they've been accruing interest. If you feel helpless because you owe so much money to so many different creditors, it may be time for you to explore bad credit debt consolidation. Read More Fixed Rate Mortgage Loans Fixed rate mortgage loans have a locked interest rate for the life of the loan. This type of mortgage is perfect for homeowners who don't wish to run the risk of a floating rate. Read More Adjustable Rate Mortgage Loans (ARM) Often referred to as an "ARM Loan", these mortgages often allow homeowners to lower their monthly payments. ARM's have a floating rate, which often proves to be beneficial in times of falling interest rates. Read More Adjustable vs. Fixed Rate - Which One Is Best For Me? Which type of loan is best? Adjustable Rate Loans can often offer a lower monthly payment when interest rates are low, while a fixed rate mortgage allows a homeowners the comfort of knowing that your rate will not change over time. Read More Second Mortgage / Home Equity Loans If you are a homeowner looking to make home improvements, pay off debt, pay for college tuition, or need cash for any other reason, a home equity loan may be an option for you. Read More Jumbo Home Mortgage Loans Jumbo mortgage loans are for consumers who want to purchase, refinance or obtain a second mortgage on a home that costs more than the maximum loan amount set by the Fannie Mae and Freddie Mac guidelines. Learn about the options Loan Choice Direct can offer you as a jumbo mortgage loan borrower. Read More Interest Only Mortgage Loans This type of loan is for people who want to purchase an existing home, refinance their current mortgage, or obtain a home equity loan. Benefits include the ability to make smaller monthly payments, afford a larger home, and obtain a mortgage payment plan that is flexible enough to meet your needs. Read More Refinancing Your Mortgage With Bad Credit The question you may be asking is "Can I refinance my home mortgage with my poor credit score and still receive a good rate?" Don't worry, with Loan Choice Direct the answer is "YES". Read More Avoid Foreclosure by Refinancing Your Mortgage You've fallen behind on your mortgage payments, the bank is constantly threatening you and you feel like your only option is to file bankruptcy. Lucky for you, there may be a better alternative. Refinancing your mortgage can usually offer you the savings needed to save your home. Read More

Loan Type	APR
30 Yr Fixed	6.54%
15 Yr Fixed	6.25%
30 Yr Fixed Jumbo	6.76%
15 Yr Fixed Jumbo	6.42%
3/1 ARM	5.94%
5/1 ARM	6.17%
7/1 ARM	6.37%
10/1 ARM	6.53%
3/1 ARM (I/O)	6.02%
5/1 ARM (I/O)	6.26%
7/1 ARM (I/O)	6.41%

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