HCT Bank - Helping You Refinance

HCT Bank helps you buy, refinance or rehabilitate a home by offering personalized service, pertinent information to assist you with your financing decision process. Our online mortgage service matches you with the right FHA home loan program, and help you submit your mortgage application.

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FHA Loan Rates

FHA loan rates and financing information from HCT Bank can help you buy, refinance or rehabilitate a home. HCT Bank offers you personalized service, and pertinent information to assist you with your financing decision process. Our site offers a mortgage loan payment calculator, a mortgage refinancing calculator, and individualized FHA financing assistance. Contact us if you want to find out more about first time home buyer loans, home improvement financing or reverse mortgages. At HCT Bank, we know that arranging financing can be a bit confusing. That's why we pride ourselves on our outstanding service that can help you take advantage of all of the opportunities government home loans offer. Our online mortgage service can match you with the right FHA home loan program, and help you with submission of your mortgage application. On our site you get more than just home loan interest rates, you get comprehensive mortgage financing services.

Homebuyers and homeowners can both benefit from federal loan programs

FHA loan rates and calculators are only a fraction of the services available to you on our web site. We provide detailed information on financing programs that can help you save for a first home, borrow equity from, rehabilitate or refinance your home. Let us familiarize you with the FHA streamline refinance program, that reduces the amount of documentation and underwriting done by the lender, and lowers your monthly payments. We can also help you take advantage of the Section 203 (k) FHA Single Family Rehab Mortgage Program. The homebuyer or homeowner saves time and money by financing both the acquisition and rehabilitation of a house under one mortgage. This program allows for either minor rehabilitation or virtual reconstruction.

We can assist you with information on an innovative savings program for couples who want to save money for their first home. The FHA Bridal Registry Account allows friends and family members to deposit cash wedding gifts into an interest bearing account. The couple then can use the money for a down payment on a home. With over 30 mortgage companies participating nationwide, this initiative is helping more people with first time home buying.

Check with us for more details on the HUD reverse mortgage program. Homeowners 62 years of age and older with paid off mortgages or low mortgage balances can receive periodic payments, borrowed against their equity. Repayment occurs when the house is sold, so older homeowners can use this equity for monthly living expenses, medical expenses and other financial needs.

Let our personal mortgage services make financing a home easier

Let us help take the confusion out of home financing. You can submit your application information to us online or over the telephone, and we will assist you with submitting and processing your application for financing. Our online mortgage service can help you take advantage of the financing programs that best suit your needs. Many Web sites only offer limited home financing information. Visit our site today for comprehensive mortgage services that help you find the best federal financing options.

Click here for more information on federal home financing programs.

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