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HARP 2.0 Refinancing
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New! HARP 2.0 - Home Affordable Refinance Program

- Fixed rate loans
- Low interest loans
- Refinancing for existing home buyers

Residential Loans

- Fixed rate loans
- Adjustable rate loans
- Interest only loans
- New home purchase loans

Choose your Options below to tailor your loan program to your exact custom fit:

- Cash out
- Rate and term buy downs
- Extended term loans
- Short term loans
- Offer and compromise transactions

Fixed Rate Mortgages

30 Year Fixed

24 Year Fixed

20 Year Fixed

15 Year Fixed

10 Year Fixed

The monthly payment and the rate are fixed for the life of the loan.

Excellent loan for those that need the security and stability of the same mortgage payment for years to come.



Interest only payments allow you to pay the minimum payment or as much as you to pay towards the principle. You may pay a substantial amount of principle in a short period of time. In addition, principal payment may be subject to terms of note and Deed of Trust.

Excellent for those trying to maximize their budget and for first-time home buyers.

Adjustable Rate Mortgages

10/1 ARM

7/1 ARM

5/1 ARM

3/1 ARM

Adjustable rate mortgage allows a lower initial monthly payment. Rates are fixed for a set period of time and then adjust thereafter.

ARM’s are excellent for those who know their future time frame.

ARM’s are a great short term loans!

Customer Testimonials
"We were declined by every lender out there and were thinking of filing bankruptcy. We were referred to Authentic loan finance, Inc. as a last ditch effort and the rest is history. We have one payment, we're saving $1300 a month and the calls from creditors have stopped."

Mrs. T. Monroe

"As a realtor, I have seen it all. I have never experienced such knowledge, speed and honest directness that the staff at Authentic loan finance has in helping clients get the best rates and service."

J. Cardoza

"Authentic loan finance has been a real life saver for us. I have borrowed at other loan places in the past, but since I've been with you guy, I'll never use anyone else again.""

Susan and Kevin B

"To all of you at Authentic loan finance, this is just a note to tell you how much we have appreciated your loan service and help. Your loan experts treated us with respect and professionalism from the beginning to the end. You guys were great for understanding the credit problem that we had. We had an excellent loan experience. The service was excellent."

Stephanie Ford

"Authentic loan finance website is up-front and informative. They spell everything out for you from the beginning. I appreciate the complete transparency of their website as well as their professional service staff. There are no hidden fees or agendas when it comes to loans at Authentic loan finance."

Roxanne T.

"I have to say that what pleased me most about my experience with Authentic loan finance was their fantastic low rates. I compared their rates to other title loan stores locally and online, and theirs was the lowest I found. Their service was courteous, professional, and complete. Thanks again."

Wolfgang Short.

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