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Mortgage & Refinancing Information

What is a Flexible Mortgage?


'Flexible mortgage' is a term that's used a lot, but what exactly does it mean? A flexible mortgage allows the borrower to make extra repayments when they have the extra money and even reduce or skip payments should the need arise.A flexible mortgage allows you to make extra payments to reduce the amount outstanding on your mortgage thereby reducing the interest you're paying or pay off your mortgage earlier than planned.

Flexible Mortgage Guide


Here is a useful flexible mortgage guide. Flexible mortgages are loans which allow you to increase or decrease the size of your repayments within certain limits.

Guide to Flexible Mortgages


Outlined below is a useful guide to flexible mortgages. Flexible mortgages are also known as Australian Mortgages because they usually feature something which is common in Australia - interest recalculation on a daily basis.

5 Ways to Use Your Home Equity Line of Credit


Your home is a source of pride and accomplishment. Did you know that your home can also be an affordable source of income? As your home appreciates and you make your monthly mortgage payments you build what's called equity.

Flexible Mortgage Tips


Outlined below are some useful flexible mortgage tips. The most prominent addition in recent years to the mortgage industry has been the flexible mortgage.

What is an Offset Mortgage?


An offset mortgage is very similar to a current account mortgage - but instead of having everything all in one account, all accounts are held separately.The offset mortgage concept treats your money as one giant pot, with each element (mortgage, savings, current account etc) separate to the rest.

What Exactly Is A Reverse Mortgage And How Does It Work?


A reverse mortgage is a certain loan that allows the older generation to take their home equity and turn it into cash. With this type of loan the bank is actually paying you monthly out of the equity in your home.

Escrow Accounts, Do You Absolutely Need One?


With escrow accounts the money for your home insurance and property tax is added to your monthly mortgage payment and is paid out each year. With that said, you may think that having an escrow account takes the responsibility off your shoulders because the bank will make the payment for you each year from your escrow savings account.

What is a Current Account Mortgage?


Current account mortgages are fairly new to the sector. They are quite different to other types of mortgage as they enable you to set off all your savings and debts in one single account.

Advantages and Disadvantages Of A Reverse Mortgage


Betty and John, are in their mid-seventies and are currently weighing the advantages and disadvantages of a reverse mortgage as a way of freeing up some cash. The couple purchased their home 45 years ago for about $14,000 since then home values have skyrocketed and recent single family homes in their neighborhood have been selling for a minimum of $160,000.

Mortgage Loans Explained In Plain English


With the many different kinds of mortgage loans out there, choosing the right one for your needs can be a difficult task. The following points will help you understand the pros and cons of the different types of mortgage loans available to you.

Repayment of Loans - Lessening the Bitterness of the Process


So how have you planned the repayment? Don't tell if you haven't started the plannings yet. It is high time the plannings and the decisions be made regarding the repayment of the loan.

Types of Mortgage Interest Rate


Here is a useful guide to the different types of Mortgage Interest Rates that are available. Mortgage Lenders offer all kinds of different deals when it comes to the interest you pay on your mortgage.

What is a Repayment Mortgage?


A repayment mortgage is the type of mortgage that most people think about. The idea behind a repayment mortgage is that you pay monthly for a set period and each payment consists of an element of capital and interest.

Thought You Can Go All Alone In Mortgages! Mortgage Advice Beneficial In All Important Decisions


Mortgages are easy as long as you understand them well. But how many borrowers can be confident of their knowledge of mortgages.

More Articles from Mortgage & Refinancing Information:
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MORE RESOURCES:

Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand. Mortgage application volume fell ...


These are the best (and worst) reasons to refinance your mortgage  Bankrate.com

Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Homeowners are rushing to refi mortgages as rates drop  The Real Deal

Homeowners throughout the country are looking to refinance their mortgages thanks to lower borrowing costs, contributing to a sharp government bond rally.


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


Rising mortgage rates again reduce refinance application volume  National Mortgage News

Higher interest rates cut refinance mortgage application volume and reduced overall activity even as the purchase index reached a nine-year high, according to ...


Mortgage rates are low. Here's how to figure out the best plan for your budget  CNBC

The recent drop in mortgage rates may have you dreaming of buying a new home or refinancing your current house. But first, you need a plan.


Refinance mortgage rate eases for Monday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for you if you're in the market for a home loan.


5 million homeowners suddenly "in the money" to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Millions of homeowners could now save each month on their mortgage payments, according to a new report. That's because they're suddenly “in the money” to ...


Refinance rates move higher for Wednesday  Bankrate.com

Multiple key refinance rates notched higher today. See what that means for your refinance.


Refinance mortgage rate dips for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate declined. See what that means for you if you're in the market for a home loan.


Refinance rates rise for Friday  Bankrate.com

Multiple closely watched refinance rates notched higher today. See what that means for you if you're in the market for a home loan.


Refinance mortgage rate slides for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're in the market for a mortgage, see what that means for you.


Closed loan and refinance shares grow on sinking mortgage rates  National Mortgage News

Mortgage rates continued to decline through the spring home buying season, driving up the share of refinance loans and overall closing rates, according to Ellie ...


As mortgage rates drop, originations in refi territory could double  National Mortgage News

If mortgage rates fall below 4%, it could more than double the dollar volume of agency mortgages exposed to refinancing incentive, analysts at Keefe, Bruyette ...


Here's how many borrowers should refinance after the recent drop in mortgage rates  HousingWire

Mortgage rates fell 22 basis points last week to 4.06%, an event that will likely be a gamechanger for the refinance market. According to the latest report from ...


Refinance rates decline for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. See what that means for you if you're in the market for a home loan.


Refinance rates dip for Monday  Bankrate.com

Several benchmark refinance rates were down today. If you're in the market for a home loan, see what that means for you.


Refinance rates rise for Thursday  Bankrate.com

Multiple closely watched refinance rates trended upward today. If you're in the market for a refi, see how your future mortgage payments could be affected.


Quicken Loans will now let Vrbo hosts use rental income to refinance their mortgage  HousingWire

A little over a year ago, Airbnb partnered with some of the nation's largest mortgage players, including Fannie Mae and Quicken Loans, to allow hosts using the ...


Mini refinancing boom is a boost for lenders  The Real Deal

There has been a mini surge in mortgage and refinancing applications spurred by falling mortgage rates, the Wall Street Journal reports.


Did you refinance your home mortgage last year? You can still qualify for often-overlooked deductions  MarketWatch

f you refinanced your home mortgage last year, you may be in line for some often-overlooked tax deductions on your yet-to-be-filed 2018 Form 1040.


Refinance rates advance for Tuesday  Bankrate.com

Multiple closely watched refinance rates climbed higher today. If you're in the market for a home loan, see what that means for you.


Refinance rates ratchet higher for Friday  Bankrate.com

Several closely watched refinance rates advanced today. If you're in the market for a home loan, see how your payments might be affected.


Exclusive Quicken Loans Program Unlocks Vrbo Rental Income, Which Can Now Be Used to Qualify for a Mortgage  RisMedia.com

Detroit-based Quicken Loans has announced a strategic partnership with Vrbo®, a world leader in vacation rentals, to allow rental income earned through Vrbo ...


Mortgage rates continue to nose-dive as 30-year fixed experiences biggest one-week drop in a decade  The Washington Post

Just a handful of months ago, mortgage rates were soaring. Now they are sinking. According to data released Thursday by Freddie Mac, the 30-year fixed-rate ...


Important mortgage rate dips for Tuesday  Bankrate.com

Mortgage rates diverged today, but one key rate declined. See what that means for you if you're in the market for a mortgage.


Refinance rates trend higher for Wednesday  Bankrate.com

Several closely watched refinance rates notched higher today. If you're in the market for a home loan, see what that means for you.


Refinance rates retreat for Wednesday  Bankrate.com

Multiple benchmark refinance rates sunk lower today. If you're in the market for a mortgage, see what that means for you.


Refinance rates slide for Friday  Bankrate.com

Several key refinance rates decreased today. See what that means for you if you're in the market for a mortgage.


Mortgage rates drop for Tuesday  Bankrate.com

Multiple key mortgage rates were down today. If you're shopping for a mortgage, see what that means for you.


Refinance rates trend higher for Monday  Bankrate.com

Several key refinance rates floated higher today. See what that means for you if you're in the market for a home loan.


Mortgage rates up for Friday  Bankrate.com

Multiple benchmark mortgage rates climbed today. If you're shopping for a mortgage, see what that means for you.


Facing retirement with parent student loans? Transfer them to the kids  Los Angeles Times

It's not wise to use retirement funds to pay down student loans taken out on behalf of your children. Consider refinancing the debt so that the graduate can take ...


Fannie Mae High Loan-To-Value Refinance Option (HLRO) Guildelines, Rates, and Eligibility for 2019  The Mortgage Reports

The new Fannie Mae High LTV Refinance Option allows homeowners to refinance into today's low rates even if they little or no home equity. No appraisal is ...


Refinance rates tick lower for Friday  Bankrate.com

Several benchmark refinance rates trended down today. If you're shopping for a refinance, see what that means for you.


Mortgage rates today, April 2, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose again yesterday, as we predicted. However, they moved up much more sharply than expected. It was a bad day. Markets yesterday ...


Home equity lines of credit can be the key to your next home improvement project  Journal Times

Have you been thinking about remodeling the bathroom, adding a deck or renovating the upstairs attic into a bedroom? It's fun to dream, but coming up with the ...


Refinance rates drop for Saturday  Bankrate.com

Several key refinance rates sunk lower today. If you're shopping for a refi, see how your payments might be affected.


Mortgage rates taper off for Friday  Bankrate.com

Several benchmark mortgage rates dropped today. See what that means for you if you're in the market for a mortgage.


Are 3% mortgage rates in our future? For some, they are already here | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Three percent mortgage rates are a real possibility in 2019, and in fact, already here for some borrowers, according to The Mortgage Reports daily survey.


Mortgage Rates Continue to Fall – Market Update  Zing! Blog by Quicken Loans

Those in the market for a mortgage got a gift from the Federal Reserve last Wednesday. Unfortunately, the stock market wasn't nearly so happy.


Quicken Loans to allow short-term rental income for mortgage qualification  Mortgage Professional America

Quicken Loans has partnered with short-term rental company Vrbo to allow short-term rental income to be used to qualify for a mortgage refinance. Mortgages ...


I Got an Adjustable-Rate Mortgage and Wow, What a Ride!  Realtor.com News

I got an adjustable rate mortgage, or ARM—and here's how this decision impacted our finances over five, 10 years—and beyond.


Inside Destiny USA's mortgage emergency: Crisis or hardball bargaining?  syracuse.com

A deadline looms for Pyramid to pay the shopping mall's $430 million mortgage.


Mortgage rates lower for Friday  Bankrate.com

Several benchmark mortgage rates receded today. See how that could affect your home loan payments.


Quicken Loans includes rental income in mortgage qualification  Mortgage Professional America

Owners of vacation properties rented out through Vrbo will now be able to use income from those rentals to qualify for a refinance mortgage from Quicken Loans.


Mortgage rates today, March 26, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Yesterday was another good day for average mortgage rates. As we predicted, they fell again, but nothing like as sharply as they did on Friday. Still, the ...


The new digital divide is between people who opt out of algorithms and people who don  Fast Company

Here are three ways to take control of the algorithms in your life.


Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


Why the world’s biggest bond investor is dismissing the yield curve’s recession warning  MarketWatch

Pimco's chief investment officer says the U.S. is unlikely to see a recession this year.


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


No-income, no-asset mortgages are back (at one lender, at least)  HousingWire

Back in the Wild, Wild West era of mortgage lending before the housing crisis, NINJA loans (loans given to borrowers with no income, no job, and no assets ...


Mortgages? Big banks may be throwing in the towel  MarketWatch

Big banks are increasingly coming to a reckoning that making mortgages is no longer the best business to be in, if earnings reports from the most recent...


Credit Score Needed to Buy a House: What Is the Cutoff?  INQUIRER.net

This article address steps and practices to make you think like a lender so you know were you and your credit score stand when considering buying a house.


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Reali Acquires Online Mortgage Lender Lenda  FinSMEs

Reali, a San Mateo, CA-based real estate technology company focused on home-buying and selling, acquired Lenda, an online direct mortgage lender with ...


Mortgage refinance applications hit 18-year low  CNBC

Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ...


OpEd: Affordable Housing Requires A New Shape For The Mortgage Industry  Africa.com

There are two essential parts to achieving affordable housing: building decent, low-cost homes, and developing a housing finance market that enables ...


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


Still haven’t refinanced your mortgage? You still have an opportunity to save big  Bankrate.com

Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ...


Cash-out mortgage refinancing: Here’s where homeowners are using it most  Bankrate.com

Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ...


The main reason to refinance your mortgage: Save money  Chicago Tribune

A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction.


Justice Department Case Against Toms River Lawyer Falls Short of the Goal Line  Shore News Magazine

TRENTON-After a more than three-year-long investigation kicked off by the Obama era U.S. Justice Department against influential Republican powerbroker ...


Refinance rates slide for Tuesday  Bankrate.com

Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you.


Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ...


How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ...


How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ...


Should You Refinance Your Mortgage?  Forbes

Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ...


Refinance mortgage rates mixed for Tuesday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a refi, see how that could affect you.


Home Loan Rates & Mortgage Rates Predictions: Expect a solid spring buying season with lowest rates- Sun Apr 21  TheOofy.com

Experts predict to have a stable and no change in home loan rates this year. However, this will not be confirmed until the the Fed's meeting.


Current Mortgage Rates Hit 52-Week Low: How does the FED affect current mortgage rates?-Fri Apr 19 - Mortgage interest rates forecast, mortgage interest rates trend - News  TheOofy.com

Current mortgage rates start to go down after the Federal Reserve announced that they do not have plans as of now to increase interest rates for the whole 2019.


Mortgage application increase led by higher refinance volume  National Mortgage News

Mortgage applications increased last week but unlike the prior period, it was driven by refinance volume as interest rates fell to a one-year low, according to the ...


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate fell. The average for a 30-year fixed-rate refinance trended down, but the average rate on a 15-year fixed refinance ...


Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ...


My second mortgage rate is too high! What should I do? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If your second mortgage rate is too high, you have many options. The trick is to identify the best one. Here's how you can do that.


Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The Freddie Mac Relief Refinance Program (FMERR) allows homeowners to refinance with little or no home equity. Home value dropped since you purchased?


Factors to weigh when considering whether to refinance your home  Washington Post

Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ...


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate trended upward. If you're in the market for a mortgage, see how your payments might be affected.


Refinance rates fall for Wednesday  Bankrate.com

Multiple benchmark refinance rates declined today. Nationwide averages for 30-year fixed and 15-year fixed refinances both slid down. The average rate on ...


Refinance rates retreat for Monday  Bankrate.com

Multiple benchmark refinance rates tapered off today. If you're in the market for a mortgage, see how your payments might be affected.


When Is a Cash-Out Refinance Loan a Good Idea?  U.S News & World Report Money

Tapping the equity in your home to get cash can be a smart move, but only if the cash is used for the right purpose.


Ellie Mae: Millennials' interest in mortgage refinance spikes  HousingWire

In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ...


New VA rules aimed at curbing predatory lending for cash-out mortgage refinances  Bankrate.com

An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ...


Mortgage applications fall, as refinancing hits 20-year low  CNBC

A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.


Credible Expands Their Marketplace Into Mortgage Refinancing  Lend Academy

Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


Nigerian mortgage, property sector set to tap into diaspora market  Guardian

Key stakeholders in the real estate and housing finance sector of the Nigerian economy are set to hold a two-day conference/exhibition in London.Tagged ...


Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First  Forbes

Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...


Weekly refinance demand plummets as mortgage rates hit a 5-week high  CNBC

A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...


Refinance mortgage rate dips for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate decreased. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates tick higher for Tuesday  Bankrate.com

Multiple benchmark refinance rates notched higher today. See what that means for your chances of scoring a killer refi rate.


NoMad Hotel to Sell in UCC Foreclosure Auction  Commercial Observer

Creditors of the NoMad Hotel have hired JLL to market the property in a Uniform Commercial Code, or UCC, foreclosure sale.


Mortgage rates: Recognize this mortgage lender sales trick, and don't fall for it | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Yes, there is a series of videos on YouTube instructing mortgage loan officers and brokers on how to limit competition and sell higher prices and mortgage rates.


With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls.


Refinance rates ease for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. If you're in the market for a mortgage, see what that means for you.


Refinance mortgage rate falls for Friday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected.


How Long Does It Take to Refinance a Mortgage?  Realtor.com News

How long does it take to refinance a mortgage? Refinancing should take anywhere from 30 to 45 days on average, although that can stretch to 60 days if you hit ...


Refinance mortgage rate falls for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. The nationwide average for a 30-year fixed-rate refinance tapered off, but the average rate on a 15-year ...


How to use a cash-out refinance to buy another home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase ...


Where’s the Real Estate Market Heading?  The Epoch Times

With the Trump economy enjoying record levels of employment, manufacturing jobs returning, and interest rates remaining in historically low territory, the ...


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