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Mortgage & Refinancing Information

What Are Mortgage Brokers And Why To Use One


"Mortgage" is formed from two words: the French word "mort" meaning "dead" and the word "gage" from Old English meaning "pledge". Sir Edward Coke (who lived from 1552 to 1634) explained the term: the land as considered "dead" to the mortgagor, as if the person never had it.

Fixed-To-Adjustable-Rate-Mortgage


What is a Fixed-To-Adjustable Rate Mortgage?This type of mortgage offers fixed payments for an initial loan period of up to10 years then followed by an adjustable interest rate for the remaining term of your mortgage. Payments are usually lower than most fixed rate mortgages.

A Guide to Getting a Bad Credit Remortgage


There are several reasons why you might be in the market for a bad credit remortgage. You might be wanting to try to lock in a lower interest rate, or perhaps you simply need to use the bad credit remortgage as a way to consolidate some of your debts.

Buy to Let Mortgages


Finding the right buy to let mortgage is crucial to your success as a property investor. Unlike other forms of property investment, a lot of the capital you invest into a buy to let investment property is likely to be borrowed.

Bad Credit History?How Financing and Buying a Home Can Help You Improve Your Financial Situation


Financing and buying a home can help improve your financial situations, especially if you have a bad credit history. Adding a mortgage payment to your monthly expenses seems like a mistake if you are having financial difficulties, but in the long run a mortgage can save you money on your living expenses.

5 Home Buying Essentials


Purchasing a home involves certain important, even essential, steps that every buyer should take before closing on a purchase. Let's examine these "essentials" which, if properly implemented, can help you save valuable time and aggravation.

Mortgage Loans For People With Adverse Credit- How Much Should You Borrow


"How much should you borrow?" is a question people with adverse credit wrestle with. The answer is simply as much as you can afford.

Home Loans For People With Bad Credit - When you Should Wait and When You Should Get a Home Loan


Home loans may seem like a bad idea for people with bad credit, but there are times when a home loan can help your credit score and your budget. To know if a home loan is best for you, consider factors such as your current financial situation, current rent payment, and future goals.

Home Mortgages: Does It Ever Make Sense to Pay Points?


Interest rates on home mortgages are often quoted with and without points. A point equals one percent of the amount you are financing.

FHA Mortgage: When Your Downpayment is a Gift


There has been so much fraud discovered in the FHA program allowing gift funds for downpayment that Lenders and borrowers are required to absolutely document every step of the gift transaction to prove it was legitimate.Here's how it works: FHA allows the required downpayment to be a gift from someone who would logically be concerned about housing for the borrower.

Online Mortgage in UK - Introducing the Best Mortgage Plan Across UK


Add the term 'online' and it will open for you an exhaustive assortment of opportunities. Add online to mortgage and it will have the same effect.

Know Your Mortgage Options


While trying to find the lowest rates, many homeowners fail to examine the type of mortgage, and which type of mortgage is best suited to their needs. Whether you are buying a new home or refinancing, it is important to understand the different mortgage types, and evaluate which one best meets your needs.

Mortgage Info You Can Actually Understand!


This is a great time to Refinance Your Home or Buy a New Home -- the Mortgage Rates are so low, these days! It's always worth a shot to find out what the costs of switching over to a new mortgage would be, to see if that's the right move for you.Whether you are building your own house, buying a new property, gathering funds to do a renovation project, or Refinancing your current Mortgage at a much Lower Rate, you'll be looking for Funding -- Money, Money & More Money! Here are some commonly asked questions regarding funding for a Mortgage or a Home Improvement Loan.

Home Equity Loan - Home Theater Adds Fun and Value


In days gone by, the family typically spent their evenings watching television in the den or living room, crowded around a black and white television set that may have measured no more than nineteen inches in diagonal size. For decades, this scenario was pretty much the same in most American homes, with the only change being the replacement of black and white televisions with color models.

Home Loans and Mortgages - Watch Out for Dangerous Subprime Loans


With the growing interest in real estate purchasing and speculation, more and more lenders are offering "nontraditional" types of mortgages. These include adjustable rate mortgages (ARM) of every shape and size, the more popular interest-only mortgage, and the very dangerous Option ARM mortgage, which can cause the amount you owe to actually increase as time passes.

More Articles from Mortgage & Refinancing Information:
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MORE RESOURCES:

5 Terrible Reasons to Refinance Your Mortgage  MoneyWise.com

Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or...


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 ...


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.


Refinance rates fall for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. If you're shopping for a home loan, see how your payments might be affected.


Refinance mortgage rate eases for Thursday  Bankrate.com

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


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for your refinance.


Higher mortgage refi app rejection rate signals tighter credit  Mortgage Professional America

The rejection rate increased notably for mortgage refinance applications in 2018, indicating tightening credit, according to the October 2018 Survey of Consumer ...


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 ...


Former mortgage lender COO gets 24 months for $8.9m scam  Mortgage Professional America

The former COO of Long Island, N.Y.-based mortgage lender Vanguard Funding has been sentenced to 24 months' imprisonment for his role in a scheme to ...


Refinance mortgage rate ratchets higher for Friday  Bankrate.com

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


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected.


CFPB sues mortgage company for allegedly deceiving veterans about refinance benefits  Lexology

On December 6, the CFPB announced the filing of a complaint and proposed final judgment in the U.S. District Court for the District of Nevada against…


Refinance rates move higher for Monday  Bankrate.com

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


Mortgage rates are down significantly over the past three weeks  The Washington Post

The 30-year fixed-rate average has fallen 19 basis points in three weeks to 4.75 percent.


Refinance rates slide for Monday  Bankrate.com

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


Weekly mortgage applications drop 3.2%, hit by tanking stocks and rising rates  CNBC

While tight supply of homes for sale had been plaguing buyers for much of this year, listings are increasing, but so are prices and interest rates, weakening ...


CityPlace sues lender over loan refinance  WPTV.com

CityPlace is suing its lender, claiming the company, Credit Suisse Commercial Mortgage, is trying to derail the shopping center's loan refinance, which is due to ...


Refinance rates retreat for Saturday  Bankrate.com

Several key refinance rates tapered off today. If you're shopping for a mortgage, see how your payments might be affected.


LI banker sentenced in mortgage fraud case  Newsday

A Long Island banker was sentenced to 2 years in federal prison Monday for his role in a scheme in which prosecutors said he and his colleagues used nearly ...


Refinance rates ease for Friday  Bankrate.com

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


LendingTree Releases Monthly Mortgage Offer Report for November  PRNewswire

CHARLOTTE, N.C., Dec. 7, 2018 /PRNewswire/ -- LendingTree®, the nation's leading online loan marketplace, today released its monthly Mortgage Offers ...


U.S. mortgage activity rises near two-month high: MBA  Reuters

(Reuters) - U.S. borrowers filed the most mortgage applications in nearly two months as 30-year home loan costs fell to their lowest levels since early October, ...


Refinance rates drop for Thursday  Bankrate.com

Several closely watched refinance rates trended down today. If you're shopping for a refinance, see how that could affect you.


Buying or Refinancing a Home? Review the ABC's of the Loan Process  TAPinto.net

RED BANK, NJ - Whether you are new to the market or considering a jumbo or refinance, it is helpful to review the key points in the loan process.


Federal Reserve: More homeowners are getting their refi applications rejected  HousingWire

Every few months The Federal Reserve Bank of New York's Center for Microeconomic Data releases a survey of consumer experiences when applying for credit ...


Refinance rates trend higher for Tuesday  Bankrate.com

Several closely watched refinance rates rose today. If you're in the market for a mortgage, see what that means for you.


Refinance rates drop off for Wednesday  Bankrate.com

Several key refinance rates dropped today. If you're in the market for a refi, see how that could affect you.


Rising Interest Rates Are Creating Refinancing Headaches for Small Businesses  Entrepreneur

The recent rise in interest rates is resulting in large drops in property valuations, making it harder for small businesses to refinance their commercial real estate ...


LendingTree launches new mortgage comparison report  Mortgage Professional America

Inaugural report combines mortgage offers spread, rates.


Mortgage rates slide the fastest in four years, but it may be too late for the housing market  MarketWatch

Rates for home loans fell by double digits in the most recent week, but with the housing market on its heels and few Americans in a position to take advantage of ...


Choosing between an ARM versus a fixed-rate mortgage  Bankrate.com

One of the key decisions homebuyers and homeowners make is whether to go with a fixed- or adjustable-rate mortgage. Each have benefits and drawbacks, ...


Refinance rates slide for Friday  Bankrate.com

Multiple key refinance rates declined today. See what that means for your refi.


Homeowners are seeing the smallest equity gains in two years  CNBC

The drop in equity gains has been sharpest in the third quarter of this year. In fact, after hitting a record high, the amount of tappable equity fell quarter to quarter ...


Mortgage Applications Dropped by Rising Rates and Stock Declines  ETF Trends

The Mortgage Bankers Association reported that mortgage applications fell last week--dropped by a one-two combination of rising rates and stock declines.


Homeowner Perception and Equity Growth Remain Steady as 2018 Comes to a Close  PRNewswire

DETROIT, Dec. 11, 2018 /PRNewswire/ -- The difference between owners' estimates of home values and appraisal values increased in November, although it ...


Investors Bank originates $219M in loans throughout tri-state area  NJBIZ

Short Hills-based Investors Bank said it has originated five commercial real estate and multifamily housing loans in New Jersey, valued at $116 million.


Mortgage rates lower for Monday  Bankrate.com

Multiple closely watched mortgage rates sunk lower today. The average rates on 30-year fixed and 15-year fixed mortgages both trended down. Meanwhile, the ...


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.


FHA Issues 2018 Annual Report to Congress Addressing its MMI Fund  JD Supra

FHA recently released its 2018 Annual Report to Congress regarding the economic condition of its Mutual Mortgage Insurance Fund (MMI Fund). The health of ...


What Americans Should Know Before Cashing out $6 Trillion in Home Equity  Credible News

U.S. home values hit a low for the downturn of $148,600 in February, 2012. At that point, millions of homeowners were “underwater” — they owed more on their ...


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 ...


Reverse Mortgages Can Create An Elder Care Lifeline  27east.com

Aside from his real estate practice at Douglas Elliman, Michael Daly holds a certification from the Seniors Real Estate Specialist Council, a branch of the ...


9 Ways to Live Well and Spend Less in 2019  Yahoo Finance

With the start of the new year ushering in a clean slate, now is a perfect time to revisit financial goals and strategize ways to maximize savings. Create an ...


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.


Allied Announces $125 Million in Acquisitions and Upward Refinancing of Unsecured Term Loan  Markets Insider

TORONTO, Dec. 11, 2018 (GLOBE NEWSWIRE) -- Allied Properties Real Estate Investment Trust (TSX:AP.UN) announced today that it expects to close six ...


TFS Financial (NASDAQ:TFSL) Cut to “Buy” at BidaskClub  Fairfield Current

TFS Financial (NASDAQ:TFSL) was downgraded by research analysts at BidaskClub from a “strong-buy” rating to a “buy” rating in a report issued on Saturday, ...


This is what the housing market could look like in 2019  HousingWire

In 2018, the housing market experienced its fair share of up and downs, attributed to many factors, including affordability and inventory concerns. But as the year ...


3 Signs You Should Refinance Your Mortgage  The Motley Fool

Refinancing at the right time can save you thousands of dollars a year.


Refinance mortgage rates mixed for Friday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.


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

In a cash-out refinance mortgage, you take a loan against your home in excess of what you owe, leaving you with cash available to spend. Adding to the debt ...


Existing and interest-only mortgage borrowers gouged by big banks, says ACCC  ABC News

Existing interest-only borrowers subsidised the big banks' revenue to the tune of more than a billion dollars over the past year after they were hit with a ...


Refinance mortgage rates mixed for Tuesday  Bankrate.com

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


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 ...


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 ...


Refinance mortgage rate advances for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. See what that means for your refinance chances.


Mortgage application activity rises on uptick in refinance volume  National Mortgage News

An increase in refinance activity in the period after Columbus Day drove mortgage applications 4.9% higher from one week earlier, according to the Mortgage ...


Refinance mortgage rates mixed for Wednesday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a refi, see how your payments might be affected.


Refinancing activity in the US just plunged to the lowest level in over a decade  Business Insider

Refinancing activity plunged to the lowest level since 2000 as interest rates rise.


Refinance mortgage rate trends higher for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. The national average for a 30-year fixed-rate refinance advanced, but the average rate on a 15-year ...


Refinance mortgage rate moves up for Friday  Bankrate.com

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


Should I pay my mortgage with a credit card?  Bankrate.com

Many of us put the majority of our expenses on credit cards, racking up rewards before paying off our balances.


WPB’s CityPlace sues lender Credit Suisse  The Real Deal Magazine

West Palm Beach's CityPlace is suing its lender, Credit Suisse Commercial Mortgage, after it alleges the lender tried to halt its refinancing of a loan.


Mortgage refinance candidates cut by half in the past four months  National Mortgage News

The number of mortgage borrowers for whom it made sense to refinance declined by nearly half since the end of last year and is at its lowest since November ...


Girls six-months and three-years-old were stabbed to death, autopsy confirms  Edmonton Sun

An autopsy on the bodies of two little girls found in a southeast Edmonton apartment last week confirmed that the two were stabbed to death.


Rates Are Rising, But Is It Time To Refinance? Five Scenarios To Consider  Forbes

Mortgage rates are rising. Does that mean it's time to refinance? About 85% of you just shuddered at the thought of refinancing as rates climb. Hear me out.


Rocket Mortgage Review  Bankrate.com

Rocket Mortgage from Quicken Loans lets you apply for a mortgage in minutes using nothing more than a smartphone app.


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rate eases for Saturday  Bankrate.com

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


Best Mortgage Lenders  Bankrate.com

The best mortgage lender isn't the same for everyone.That's why we compiled a list of best mortgage lenders for first time home buys to those looking for their ...


Refinance rates increase for Tuesday  Bankrate.com

Multiple key refinance rates climbed today. If you're in the market for a home loan, see how your payments might be affected.


Refinance mortgage rate ticks higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate.


Credible Brings the Power of Its Marketplace to Mortgages  Credible News

We set the standard for transparency in the student loan industry. Now we're out to do the same for mortgages.


When and How to Refinance a Personal Loan  Bankrate.com

If you're thinking about refinancing a personal loan, check these factors first.


Refinance mortgage rate drops for Friday  Bankrate.com

Refinance rates were mixed, but one key rate were down. If you haven't locked a refi yet, see what that means for you.


Refinance rates slide for Saturday  Bankrate.com

Several key refinance rates sunk lower today. If you're in the market for a refi, see how that could affect you.


Refinance mortgage rate slides for Monday  Bankrate.com

Refinance rates were mixed, but one key rate sunk lower. See what that means for your chances of scoring a killer refi rate.


Refinance mortgage share falls back to 2018 low  National Mortgage News

As mortgage rates recently hit their highest point in seven years, closed refinances fell back to their low point of 2018, according to Ellie Mae.


Potential refi market falls 40% as mortgage rates keep rising  National Mortgage News

The spike in 30-year fixed interest rates, at a time of continuously rising home prices, has pushed home affordability to its lowest level since 2009, and cut ...


Why it may be unwise to refinance a low home mortgage balance  The Washington Post

Q: Is it wise to refinance my mortgage if it has a balance of just $26,000? The loan was for 30 years at a fixed interest rate of 7.5 percent. I purchased the home ...


Refinance mortgage rates mixed for Thursday  Bankrate.com

Refinance rates were mixed today. If you're shopping for a refinance, see how your future mortgage payments could be affected.


Mortgage refinance share jumps 5% despite rising interest rates  HousingWire

The refinance share of mortgage activity increased a full 5% from December to January, rising to 45% of all closed loans, according to the latest Origination ...


What It Takes to Refinance a Jumbo Loan  NerdWallet

Refinancing a jumbo loan, a mortgage over $484350, in most cases, and up to $726525 and even higher in some high-cost areas, can result in big savings and ...


Refinance rates move higher for Tuesday  Bankrate.com

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


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 rates drop off for Thursday  Bankrate.com

Multiple key refinance rates receded today. If you haven't locked a refinance yet, see how your finances could be affected.


Refinance rates slide for Wednesday  Bankrate.com

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


5 Tips for Finding the Best Refinance Mortgage Lenders  NerdWallet

Finding the best mortgage refinance lender for your situation requires knowing your credit score, shopping more than one lender, negotiating lender fees, ...


Cash-Out Refinance Calculator  NerdWallet

A cash-out refinance can be a great financing option depending on your use of the cash and your financial profile. This calculator will help you determine how ...


Refinance rates fall for Saturday  Bankrate.com

Multiple key refinance rates trended down today. If you're in the market for a home loan, see what that means for you.


Mortgage refinances fall to decade low  CNBC

Interest rates for home loans have risen each week this year, so each week homeowners have had less incentive refinance their mortgages. Another drop in ...


Refinance rates advance for Thursday  Bankrate.com

Multiple key refinance rates were higher today. If you're in the market for a refinance, see how your payments might be affected.


Refinance rates ratchet higher for Wednesday  Bankrate.com

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


Weekly mortgage applications to buy a home hit the lowest level in a month as rates continue to rise  CNBC

The highest interest rates in about a month and high home prices took their toll on the mortgage business last week. Total mortgage application volume slipped ...


Refinance rates tick higher for Friday  Bankrate.com

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


Refinance rates drop off for Saturday  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.


Refinance rates dip for Friday  Bankrate.com

Multiple closely watched refinance rates were down today. See what that means for you if you're in the market for a mortgage.


Analysis: Record refinancing rate points to possible new big housing bubble  USA TODAY

While mortgage refinance rates have declined to an 8-year low, activity is still at an astonishingly high 36%. In other words, 36% of all new mortgage ...


Refinance rates ratchet higher for Monday  Bankrate.com

Multiple key refinance rates climbed higher today. If you're shopping for a home loan, see what that means for you.


Refinance rates drop for Wednesday  Bankrate.com

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


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