Compare Port Gibson, Mississippi Refinance Rates

Quotes aren't what you expected?

• Down Payment ()

  Your down payment is less than 3%, making it difficult to get a loan and a good rate. You could see more loan options if you can put 5-10% down and better rates if you can afford a 20% down payment.

• Down Payment ()

  You could see more loan options if you put 10% or more down and lower rates if you can afford at 20% down payment.

• Down Payment ()

  You may be able to get lower mortgage rates if you can increase your down payment to 20%.

• Loan-to-value ()

  The loan amount requested is almost the full value of the property, which makes it difficult to get a loan. There may be more loan options if you can decrease the size of your loan amount so your loan-to-value ratio is 90-95%.

• Loan-to-value ()

  There may be more loan options if you can decrease the size of your loan amount so your loan-to-value ratio (LTV) is 90% or less. You can also help lower your rates if you can get your LTV to 80%.

• Loan-to-value ()

  You may be able to get lower mortgage rates if you can decrease the size of your loan amount so your loan-to-value ratio is 80% or less.

• Loan Amount ()

  Loan amounts less than $50,000 typically receive fewer quotes.

• Loan Amount ()

  Your loan amount is slightly higher than the conforming loan limit of $417,000. If you can afford a bigger down payment and decrease your loan amount to $417,000, you could get a substantially better rate.

• Credit Score ()

  You may be able to get a better rate by improving your credit score. The best rates are given for scores of 760 or higher.

• Credit Score ()

  Your credit score is on the low side and may be hampering you from getting more quotes or better rates. Find out how you can improve your credit score.

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• Debt-to-income

  Your debt-to-income ratio (DTI) is high so it may be more difficult to finance a loan. An ideal DTI is 36% or lower. Learn more.

• Wait a little longer

  Most quotes appear within seconds, but some quotes may take a minute or two for lenders to respond.

• Have more questions?

  Ask lenders in Zillow Advice how you can improve your loan request.

You might be eligible for special refinance programs

If you have less than 20% equity in your house (or are underwater), and have a loan owned or backed by Fannie Mae, Freddie Mac, or FHA, you may be eligible for special refinance programs.

To see if your loan is owned or guaranteed by Fannie Mae or Freddie Mac, use the following lookup tools:

• http://www.fanniemae.com/loanlookup/
• http://www.freddiemac.com/mymortgage/

To find out if you have an FHA-insured loan:

• Check your monthly statement to see if you have a mortgage insurance premium (MIP). This is what FHA calls its mortgage insurance — so if you see it on your statement, you have an FHA-insured loan; or
• Check your closing docs and find your closing statement (called a HUD1). Look in the top-right corner on the first page and see if you find a HUD 13-digit case number in this format: 000-0000000-000. If you do have a HUD case number, you have an FHA-insured loan.
• If you're still uncertain, call your lender or servicer.

Learn more about the options for refinancing your underwater mortgage:

• Help for underwater mortgages

If your loan is owned or backed by one of the organizations below, check the appropriate box and resubmit your request:

• Fannie Mae
• Freddie Mac
• FHA
• Other/don't know

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• Mystery shopping

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