I want to transfer my mortgage from citifinacial to another loan company as at a cheaper interest rate or as a bill considation lo

This would be considered a refinance, either a rate/term improvement or a cash out refinance to consolidate bills. Please locate a recommended loan officer in your area and apply for a new loan. Lorne Harvey www.loanharvey.com

The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. They can also put together a side by side comparison so you can see which way would be most beneficial to you.. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS226347

Hi MiriamMitchell75,I am happy to help you with your refinance. My office is located in Southern California. R. Jocelyn Anders (424) 256-6510. www.MarinaFinancial.net

Miriam, I would be happy to help you reduce your interest rate or a bill consolidation/cash out loan or both at a cheaper rate. We can discuss your situation and I will help you determine your best course of action. You can reach me on Monday at 714-227-5087David Schwartz

Miriam,Hi! I am dedicated to making sure your loan works with your financial goals and will work with you to develop individualized strategies to fit your unique needs. Helping you make smarter decisions about lowering your mortgage payment, by offering the best interest rate, is one of the most important things I do. At Marina Financial Funding, we offer a wide variety of loan programs including Conventional, FHA, FHA 203K, VA, USDA and Jumbo. Our in-house processing, underwriting and funding allows us to confidently meet your closing date. Contact me at your convenience for a NO OBILGATION Consultation. (424) 256-6510 - Jocelyn

It sounds like you are looking for a refinance loan. You can go to any bank, mortgage company or credit union for a refinance loan. You can shop around for rates and loan fees.

You can't simply transfer the loan to a new company, you'll have to go through the full application, documentation, qualification and closing process.