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Mortgage & Refinancing Information

Alternative Options For Rising Interest Rates


As interest rates have risen in the last six weeks from record lows, homeowners are once again face with finding viable options to reduce the amount of interest paid on their home loans. The rush to refinance provided borrowers with good to excellent credit the opportunity to take advantage of low interest rates, that helped to reduce their monthly mortgage payments, which was the only benefit provided by the lowered rates.

Private Mortgage Insurance (PMI)


If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.

5 Things In Selecting The Best Mortgage - You Should Know


Your goal is not only to find the best rates and programs, by searching through a huge number of lenders products, and save yourself thousands of dollars on mortgage payments every year, but also, to save time and hassle by simplifying the loan process and reducing the paperwork. Here are some things you can keep in mind when selecting a mortgage provider.

Real Estate Finance Strategy that Few People Consider


If you are considering a new home loan anytime soon, and you do not want to get an adjustable rate mortgage (remember, ARMs are very strong loans), you should consider a 2/1 buydown.This is a great mortgage program for people who require a smaller payment now, knowing that they will have more money in the following years.

Buying a Home? Dont Get Saddled with Two Mortgage Payments


I have a lot of friends and family who are currently buying houses. Many of them have had a problem with timing.

Sell Your Home and Invest at the Same Time


I continue to see the same For Sale signs in my neighborhood. The houses just aren't selling.

Foreclosure Scams To Be Aware Of


Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don't get me wrong, most lenders and agencies are reputable and legit.

For Mortgage-Refinance Help, Get the Best Mortgage Professional, Not a Bank Loan Officer


When you need a mortgage -- either because you are buying, refinancing, taking out equity or getting into investment real estate, you need a good mortgage professional. Now, you may be tempted to go to your local savings and loan, as they may promise lower fees or zero costs.

Some Mortgage Loans are Available with Absolutely no Money Needed From You


Today, FHA will loan up to 97 percent of the purchase price of a home, meaning a borrower only needs 3 percent. The three percent down payment can come in the form of a gift, and closing costs can be financed into the loan, making this a true no money out of pocket purchase transaction.

Mortgage-Refinance Loan Can Put Cash in Your Pocket


Do you need cash? Here's a mortgage for you. If you are not in a good position to take an equity line of credit on your home, because you have not built enough equity or a poor credit situation is making bankers steer clear of you, altogether, there is another option -- the cashout refinance.

Mortgage-Refinance Loan Measurment 101 -- Evaluate Your Own Ability to Pay


We live in a society where people are losing their homes at an alarmingly high rate. There are several reasons for this, but one could certainly be avoided -- buying a house that creates a loan that is too large for you to handle.

Mortgage-Refinance Treachery: Avoid Mortgage Bankers and Brokers Biggest Trick -- The Sales Pitch


What the average homeowner or home buyer fails to realize is that bankers, loan officers, mortgage brokers, or whatever your lenders call themselves, are salesmen. Certainly, if you purchased your home from a realtor and used her lender, you most likely got a feeling of trust in that person, because the realtor referred him.

What You Dont Know About The Real Estate Process, Some Inside Secrets


Some people in the real estate industry have a terrible reputation. Why, because they deserve it.

Need a Mortgage, Refinance or Equity Loan? Learn What it Takes, Before Applying


Do you know what it takes to qualify for mortgage and refinance loans? There are several factors involved with qualifying for a purchase, refinance or equity line of credit, and having an in-depth understanding of these could make the difference in you being accepted or turned down by a bank loan officer.Here are some things loan underwriters use in seeing if you qualify for a loan: your credit rating; your income; the amount you wish to borrow vs.

Tips For First Home Buyers On Getting Home Loans


Buying your first home will likely be the biggest and most important purchase you will ever make. It can be a very stressful and may even leave you sleepless for nights on end wondering whether you are making the right decision - especially where choosing the right home loan is concerned.

More Articles from Mortgage & Refinancing Information:
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MORE RESOURCES:
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 ...


Refinance rates advance for Saturday  Bankrate.com

Multiple closely watched refinance rates notched higher today. If you're shopping for a refi, see how your finances could be affected.


WSJ Tax Guide 2019: Mortgage-Interest Deduction  Wall Street Journal

The tax overhaul contains new curbs on deductions for mortgage interest, both indirect and direct. These changes expire at the end of 2025. As a result, the ...


Refinance rates advance for Monday  Bankrate.com

Multiple closely watched refinance rates floated higher today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Refinance rates hold steady for Friday  Bankrate.com

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


Refinancing Your Home Tips: Mortgage Rates Chase vs. Mortgage Rates Wells Fargo?  INQUIRER.net

We will be discussing tips on refinancing your home and comparing the mortgage rates offered by Chase to those avaiable from Wells Fargo.


Best VA Mortgage Rates Today  INQUIRER.net

Since VA mortgage rates are backed by the federal government, different lenders can offer competitive low interest rates.


Refinance rates increase for Saturday  Bankrate.com

Multiple benchmark refinance rates moved higher today. See what that means for your refinance chances.


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.


Private insurance plays a critical part in home mortgage ecosystem | TheHill  The Hill

Our nation's mortgage finance system is one that must balance access to credit for consumers while also shielding taxpayers.


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 ...


Fannie, Freddie refinances slump on prior mortgage rate growth  National Mortgage News

Refinance mortgage volume slipped at the end of the year following interest rate growth, and loans refinanced through the Home Affordable Housing Program ...


Mortgage applications drop 3.7% as homebuyers pull back  CNBC

The lowest interest rates in nearly a year were apparently not enough incentive to juice mortgage demand.


Refinancing: Definition, How It Works and Tips To Use in 2019  TheStreet.com

One day you wake up in the morning, check your household bills, and decide that your loans are just too expensive. Your next thought? What to do about that ...


Best Seattle Mortgage Lenders of 2019  NerdWallet

Looking for a Seattle mortgage lender? We researched Seattle's best mortgage companies so you can compare loan options, mortgage rates and more.


HomeStreet Bank moves to sell off almost entire mortgage business  HousingWire

After struggling to keep up with the mortgage business' new reality of lower refinance originations due to higher mortgage interest rates, HomeStreet Bank ...


PMI mistakes to avoid: How to pay less for mortgage insurance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

It is difficult to avoid mortgage insurance if you buy a home with less than 20 percent down. But it's possible. There are also many ways to pay less for mortgage ...


PIF-backed Saudi mortgage refinancing firm to expand offering in 2019  The National

Saudi Real Estate Refinance Company, which is owned by the kingdom's sovereign wealth fund, expects to issue its first public sukuk this year and a second ...


Cash-out refinancing easier for furloughed workers, just in case the government shuts down again in February | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

It no secret that the 800000 furloughed federal workers affected by the nearly 40-day government shutdown are struggling. Fortunately, three industry players ...


Quicken, New American top ranking of best mortgage lenders | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The best mortgage lender depends largely on what type of transaction you're dealing with, as well as the size and type of your loan. But according to new ...


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 ...


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 ...


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.


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.


Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ...


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 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 ...


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 ...


The Hot Trade in the Housing Market: Servicing Your Mortgage  The Wall Street Journal

The mortgage-market slowdown is stirring up interest in a humdrum segment of American home lending: the rights to the arcane task of handling monthly ...


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 ...


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.


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.


Real Estate Interest Rates Nears 12-Month Low  Auburn Examiner

After a year of responding to the new tax cuts and a chaotic stock market, real estate interest rate are mellowing out to a 12-month low.


FFW (OTCMKTS:FFWC) & TFS Financial (TFSL) Critical Contrast  Fairfield Current

TFS Financial (NASDAQ:TFSL) and FFW (OTCMKTS:FFWC) are both finance companies, but which is the superior stock? We will contrast the two companies ...


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.


Madison Realty Capital Provides $28.0M First Mortgage to Refinance Class A Medical Office Property in the Heights Area of Houston, TX  PRNewswire

NEW YORK, Jan. 24, 2019 /PRNewswire/ -- Madison Realty Capital (MRC) closed a $28.0 million first mortgage loan collateralized by a 191,676 square foot, ...


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.


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 ...


Refinanace your home with Golden Oak’s Zipline Mortgagae  KTVI Fox 2 St. Louis

ST. LOUIS, MO. - Now is the time to refinance your home. Just ask James Hawkins, President of Golden Oak Lending. He is at the FOX 2 Studios to talk about ...


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 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.


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 mortgage rate slides for Friday  Bankrate.com

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


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 ...


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

REAL ESTATE MATTERS | If you can lower your interest rate, that's good. But you also have to look at your monthly payment. Will your new monthly payment be ...


Consulate to host real estate summit in New York  Guardian Nigeria

Determined to bring investment into the Nigerian real estate sector, the Consul-General of Nigeria, New York has concluded plans to hold an investment forum ...


Are Fewer Mortgage Applications or Tighter Credit Conditions Driving the Ongoing Declines in Mortgage Demand?  CoreLogic Property News

Data for lending to households and businesses data for December 2018 was released earlier this week. This data series replaces the old housing finance and ...


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.


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.


Unpaid federal workers can sidestep rules to apply for cash-out mortgage refinance  Bankrate.com

As the partial government shutdown drags on with no end in sight, furloughed federal workers are faced with mounting financial obligations and a variety of relief ...


Refinance mortgage rate moves up for Friday  Bankrate.com

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


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.


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 ...


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 ...


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 rates tick lower for Thursday  Bankrate.com

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


Refinance mortgage rate ratchets higher for Thursday  Bankrate.com

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


Refinance rates decline for Wednesday  Bankrate.com

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


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.


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, ...


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 ...


Refinance mortgage rate trends higher for Thursday  Bankrate.com

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


Refinance rates slide for Saturday  Bankrate.com

Multiple closely watched refinance rates were down today. If you're in the market for a refinance, see how that could affect you.


Refinance rates move lower for Friday  Bankrate.com

Several benchmark refinance rates receded today. See what that means for your chances of getting a better mortgage rate.


NAB provides mental health hotline for brokers stressed about Hayne review  The Australian Financial Review

NAB is providing a mental health hotline for mortgage brokers awaiting a response to recommendations by the Hayne royal commission.


Refinance rates decline for Saturday  Bankrate.com

Several benchmark refinance rates were down today. The nationwide average for a 30-year fixed-rate refinance was down, but the average rate on a 15-year ...


Refinance rates move up for Thursday  Bankrate.com

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


Refinance mortgage rates mixed for Thursday  Bankrate.com

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


3 Signs You Should Refinance Your Mortgage  The Motley Fool

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


Refinance rates ease for Monday  Bankrate.com

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


Corporate Credit Could Be the Next Bubble to Burst  Barron's

Debt Be Not Proud: The danger in the complacency about corporate credit.


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 rates slide for Monday  Bankrate.com

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


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.


Do I need an appraisal to refinance my home? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Do you need a home appraisal to refinance your mortgage? Not necessarily. Here's what you need to know about conforming, USDA, FHA and VA refinances ...


Texas cash-out refinance: new laws you need to know | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Cash-out refinance Texas rules for homeowners in Texas. Texas cash-out refinancing is different from other states and you'd better know the rules before taking ...


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 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 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 ...


Mortgage rates are on the rise. Here are some tips for getting the lowest rate.  The Washington Post

The 30-year fixed-rate average hit a seven-year high last week. But that doesn't mean you still can't get a low rate when buying a home or refinancing a loan.


Mortgage rate decline sparks refinancing demand in Capital Region  Greater Baton Rouge Business Report

With mortgage rates falling to their lowest levels in eight months, some Capital Region residents are seizing their opportunity to refinance on their homes.


Lendingtree (TREE) Rating Increased to Strong-Buy at BidaskClub  Fairfield Current

BidaskClub upgraded shares of Lendingtree (NASDAQ:TREE) from a buy rating to a strong-buy rating in a research report report published on Friday, January ...


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.


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.


Refinance rates increase for Tuesday  Bankrate.com

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


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 ...


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 ...


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.


When to refinance: I need to lower my mortgage rate or payment | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you're wondering when to refinance, consider your objectives and see if you'll pay less interest, reduce your payment, or lower your overall costs.


Refinance rates decline for Thursday  Bankrate.com

Multiple benchmark refinance rates receded today. See what that means for your chances of getting a better mortgage rate.


Shutdown Impact Spreads: Government Furloughs Put Some Mortgage Deals In Limbo  NPR

The partial shutdown of the federal government is causing some financial problems for furloughed workers who can't refinance their mortgages or buy homes ...


Refinance mortgage share rises for first time in 2018  National Mortgage News

As mortgage rates remained mostly tepid throughout the summer, closed refinances had their first month of growth in August, according to Ellie Mae.


Government shutdown and mortgage news: Things just got tougher for mortgage applicants | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

What's happening with the government shutdown and mortgage closings? Find out how you will (or won't) be affected.


More mortgage borrowers now have incentive to refinance  HousingWire

While refinance volume has dropped off in recent years as interest rates have inched upward, incentive to refinance has returned for some homeowners.


Why refinance now? Because your home equity, credit scores are higher than you think | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Even if you were turned down for a mortgage refinance when rates were at their lowest, you may still be able to benefit. Credit scores and home equity are on the ...


Cash-out refinance to buy a car (or pay one off) | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Is taking out a cash-out refinance to buy a car or a cash-ut refinance to pay off your car a good idea? Only in very specific cases. Here are some better ...


Refinance rates ease for Thursday  Bankrate.com

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


Mortgage applications drop as refi volume falls to an 18-year low  National Mortgage News

Mortgage application activity decreased 3.2% from one week earlier as interest rates rose to eight-year highs and refinancings fell to an 18-year low, according ...


Best cash-out refinance lenders 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you want to pull equity out of your home in 2019, check out this list of best cash-out refinance lenders. Because mortgage rates and costs for cash-out ...


3 mistakes to avoid when getting a second mortgage | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Second mortgages are loans against your home taken out after your primary home loan (your first mortgage). Thy can be a great source of cheap money, but ...


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