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Want to reduce monthly payments? Pay off your home faster? Use your equity for
remodeling or college tuition?
Countrywide gives you a wide range of refinance loan options on primary
residences, second/vacation homes and investment properties. We offer:
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- Loan amounts up to $6 million
- Fixed or adjustable rate loans
- Financing for Single Family or 2-4 unit properties
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| Quick help for selecting the right loan: |
- Have our interactive Loan Advisor suggest a loan for you
- Read the information here about the special features of Countrywide's loan programs
- Get general information on refinance loans in Loan Choices.
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Fixed Rate Loans
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| For a list of features on any of these loans, just click the name of the loan program. |
 | | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You want the stability of a fixed principal/interest payment over the life of the loan. |
| | | Loans on up to 95% of your home's current value. |
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Adjustable Rate Mortgages
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You want to start with a low payment. |
| | | As little as 5-10% equity in home; rate adjustments each 6 months. |
| | | | | | | | | You want to start with an extra low rate. |
| | | Reduced rate in exchange for limits on refinancing and early principal reduction for first 3 years. |
| | | | | | | | | You plan to move or refinance again in a few years and want the security of a fixed rate for that period of time. |
| | | Fixed rate for 3, 5, 7 or 10 years, then adjusts annually based on a financial index. |
| | | | | | | | | You want to start with an extra low rate, plus have the security of a fixed rate for a set number of years. |
| | | Reduced rate in exchange for limits on refinancing and early principal reduction for first 5 years. |
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Loans Exceeding Fannie Mae/
Freddie Mac Guidelines
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You need to borrow amounts exceeding the conforming loan
amounts allowed by FNMA and FHLMC*. |
| | Loans up to $6 million. Wide variety of program options:
- Reduced Documentation Loans
- No Ratio Test Loans
- No Income/No Asset Loans
- Second Homes
- Investment Properties
- Condominiums
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Loans for People with
Less Than Perfect Credit
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | For borrowers who want the stability of a fixed principal/interest payment over the life of the loan |
| | | Fixed rate and payments for over the life of the loan. Borrowers can choose from 10,15,20,25,30,35 or 40 year term. |
| | | | | | | | | Helps borrowers stabilize their situation to get "back on track" while enjoying a lower interest rate loan for a fixed period of time |
| | | Fixed rate for 3 or 5 years, then adjusts annually based on a financial index. |
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*Restrictions apply. Program guidelines are subject to change. Some products not available in all states.
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Equal Housing Lenders. © 2008 Countrywide Bank, FSB, Countrywide Home Loans Division. Member FDIC. Trade/service marks are the property of Countrywide Financial Corporation, Countrywide Bank, FSB, or their respective affiliates and/or its subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved.