Our team at Golden State Financial Group has been assisting homeowners in lowering their mortgage interest rate for almost a decade. To date, our team has assisted more than 6500 homeowners. There are still many homeowners still unable to refinance their loans due to their LTV (how much they owe on their house versus its value) being 100% or higher. And there are still many homeowners in “ticking time bomb” interest only or ARM loans. Most lenders have introduced LOW fixed rate modification programs for homeowners with little or no equity. And do you have a “Non Fannie Non Freddie” loan? No problem! We can evaluate your situation in less than 5 minutes to determine what program is best for you.