Refinance Rates
| Loan | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 3.88% | 3.38% |
| 15 Year Fixed Rate | 4.06% | 3.61% |
| 5/1 Adjustable Rate | 2.75% | 3.37% |
| * These rates are averages, and might not apply to you. | ||
Mortgage loans
We focus our site on home loan refinancing, but if you're looking for a new mortgage loan, we can help you too.
Evaluate your mortgage loan >> Lowering your mortgage payments Get free mortgage advice
Credit Scores
There is a close link between your credit scores and the refinance mortgage rates you'll be able to secure. We have an extensive guide on fixing up your scores and so much more on our credit scores page!
Don't let your credit score hold you back, you have more options than you know!
Refinance Loans
Start a refinance request >> Refinancing benefits Home loan refinance rates Our refinance calculators
We are the #1 independent resource for mortgage refinancing on the web; and our partners have the best mortgage refinance rates available on the web.
American Samoa Mortgage Refinance
American Samoa is unlike the other fifty states in that it is not even found in North America, and rather than being a state, it is a US territory, a group of six islands found in the South Pacific Ocean, west of Tahiti. The largest cities are Tafuna, Pago Pago, Leone, Faleniu, Aua, and Mapusagafou. Obviously tropical in nature, the island weather can reach very high temperatures. And while there are parts of the region that exhibit American influences, the islands have kept their traditional heritage alive.
Regardless of distance to the continental US, home owners are entitled to the same general government programs as those in cities from New York to California, and thus, American Samoa mortgage refinance is possible under a variety of federal programs including the VA Cash Out Refinance Loan, VA Debt Consolidation Refinance Loans, VA Adjustable Rate To Fixed Rate Conversion, VA Streamline Refinance Loan (IRRL), FHA Streamline Refinance Loans, and MHA programs.
One problem that is unique to American Samoa mortgage refinance is the loss of land to Natives. While the population benefits from the features of the US, and while mainland American traits can be seen on the island, the truth is many people facing foreclosure are scared because their ancestral land is being lost to outsiders. For them, refinance is very important to guard their heritage. Up until the Samoa Land and Registration Act 2008, it was illegal for "customary lands" to be sold. It was extremely rare for anyone to lose their land. But now all that has changed.
Further, with threats from earthquakes and subsequent tsunamis, it would appear that American Samoa mortgage refinance was a necessity for many residents. And programs do exist from the HUD such as the Mortgage Insurance for Disaster Victims and Property Improvement Loan Insurance.
Finally, the Development Bank of American Samoa promotes the economy by providing mortgages for home construction and repairs. Two of the repair type loans or mortgage refinance programs are the Home Improvement Secured (HIS) and Home Improvement Unsecured (HIU) which have $30,000 limits and twenty year terms. Anyone looking for help to refinance should really check with DBAS before making any decisions in order to be fully aware of any programs that are available. Since the organization also facilitates loans and grants from federal agencies, it would be quite knowledgeable about one's options.
Anyone longing for the tropical, lazy days of the Caribbean should instead consider retiring in their own country in the Polynesian islands of American Samoa.
Notes:
- VA stands for Department of Veteran Affairs, (veterans administration) providing assistance to veterans of war and other service personnel
- FHA stands for Federal Housing Administration, a branch of the Department of Housing and Urban Development (HUD)
- MHA stands for Making Home Affordable, the program created by the Obama administration to help home owners with financial hardship and foreclosure.
Key FeaturesMain Menu
- Why Refinance your Mortgage Today?
- Benefits of Refinancing a Home Loan
- Qualify for Mortgage Refinance
- Are you eligible for Mortgage Refinancing?
- Should you Refinance your Mortgage?
- When to Refinance a Mortgage
- When not to Refinance a Mortgage
- Biggest Mortgage Refinance Mistakes
- Home Affordable Refinance Program
- Refinancing to fund Home Improvements
- Mortgage Refinance and Title Insurance
- Steps of Mortgage Refinancing
- FHA Streamline Refinance Loans
Main Menu
- How to Lower your Mortgage Payment
- Refinancing Mortgage in Another Name
- Refinancing a FHA Mortgage Loan
- Jumbo Mortgage Refinancing
- Refinancing Mortgages with a Low Credit Score
- Energy Efficient Mortgage Loan Refinancing
- Mortgage Refinancing: The Break-Even Period
- "No-Cost" Mortgage Refinancing: What is it?
- What will refinancing cost you?
Credit Scores
Refinance Mortgage Rates
- Refinance Mortgage Rates: What should be your goal?
- Refinance Mortgage Rates and your Credit Score
- Best Refinance Mortgage Rates
- Mortgage Rates vs. Refinance Rates
