Mortgage Refinance Information

Selling Your Business Note


Before I go further, let me ask a question- if you won the lottery tomorrow, would you take the payout in a lump sum or in monthly payments?

Are Biweekly Mortgages Really Worthwhile?


You may have heard people, especially mortgage lenders, extolling the virtues of biweekly payments, saying that you can save thousands of dollars and take 5-7 years off your mortgage--and then offering to set up a biweekly plan for you for as little as $400. But you don't have to spend $400 to begin saving money and time on your mortgage. In fact, you don't have to spend anything at all! You can set up a money-saving mortgage payment plan yourself--easily and at no extra cost.

Bankers Dont Want You to Know That You Pay for Your No Cost Home Loan Forever


With mortgage rates continuing on a downward trend, the competition in the business is fierce. A day never passes that I don't hear some crazy advertisement about a new loan program that XYZ mortgage company has and no one else offers. One of the oldest programs remains steadfast in both its high profile and its duplicity. This program is the No Cost Home Loan -- the one bankers say is free, but you actually pay for as long as you have the loan.

How Good a Deal Is Your Banks Mortgage Insurance Plan?


When you go to the bank to get a mortgage, you'll inevitably be asked to take out mortgage insurance. The idea behind mortgage insurance is simply that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank. Most financial institutions act like they are doing you a favor by offering you mortgage insurance through their own group plan, but are they?

Total Cost Of Credit vs Monthly Payments


I read a press release the other day which points to the fact we need to be very careful with our finances. The subject of the release was home mortgages. A company was announcing the availability of 40 year mortgages for its customers. The stated purpose was to lower the monthly payments to make buying a home more affordable.

A New Choice for Home Financing: Correspondent Lenders


When you begin your search for a new home loan, one of the first things to consider is where you'll get the money. Your basic choices will be mortgage brokers and banks.

Housing Bill - Changes in the Right To Buy Scheme


Presently council tenants are able to purchase their rented property after 2 years of tenancy. However, this is about to change. As of the 18th January 2005, the new Housing Bill becomes law and the current 2 years will change to a period of 5 years. This means, that once the proposals come into force, any new council tenant will have to wait 5 years before having the option of buying their property.

Understanding a UK Commercial Mortgage


In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose.

Understanding UK Bridging Finance


Bridging finance, also referred to as "bridge loans" and "bridging loans", have nothing at all to do with re-constructing the London Bridge. Bridging finance is typically a short-term loan that a business uses to supply cash for a real estate transaction until permanent financing can be arranged. The word "bridge" conveys the fact that the loan is designed to get you over a temporary obstacle.

Free Home Equity Loan Information


Home equity loan information can sometimes be confusing and misleading. I have written this article to properly explain home equity loans. Basically equity is the difference between your home's appraised -- or fair market value and the outstanding mortgage balance you owe on your home. Borrowing against the equity built up in a home has become extremely popular.

Types of Home Equity Loans


There are at least two types of home equity loans.

Reasons To Get A Home Equity Loan


Using a home equity loan really depends on what your needs, wants and desires are that prompt you to take the home equity loan in the first place.

The Zero Down 80/20 Mortgage


This is an excellent loan for those that are lacking the down payment required for other types of mortgages.

Mortgage Prepayment Penalties - Just Say No


One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for paying an additional amount of money, typically about six months interest on 80% of the mortgage balance. Sub-prime market loans will typically carry prepayment penalties more than standard mortgage loans.

Student Home Purchase Plan


Tuition costs are climbing, housing costs are climbing, it seems like all the costs for students are climbing these days. Students can afford cost increases less than any other demographic in Canada. Because of this, parents and students alike are looking for new ways to offset the costs of education.

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Refinance mortgage rate advances for Tuesday  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.


Refinance rates drop for Saturday  Bankrate.com

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


LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% slid further for the week ending Feb. 17, 2019.


Refinance rates tick higher for Monday  Bankrate.com

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


Wayne looks to refinance debt on Public Safety Building project  Olean Times Herald

LYONS — Wayne County could save $800000 to $1 million by refinancing the debt associated with financing a $17 million project to convert the old Wayne ...


Mortgage rates fall to one-year low, setting the stage for a sunny spring selling season  MarketWatch

Rates for home loans fell to the lowest in over a year as investors remained concerned about economic headwinds, setting up the housing market for a strong ...


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.


Need to pay off debt? Cash-out refinance could be the answer.  Virginian-Pilot

Depending on the loan program, you may be able to take 50 to 100 percent of the equity to use at your discretion.


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 ...


US Mortgages – Rates Fall Again, while Applications Rebound  FX Empire

Mortgage rates fell for a 3rd consecutive week in the week ending 21st February. 30-year fixed rates decreased by 2 basis points to 4.35%, the lowest.


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 ...


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 ...


Wells Fargo Refinances Manhattan Luxury Properties  Multi-Housing News

The Gotham Organization has closed on $184 million in refinancing for two luxury residential communities in New York City. Located at 66 W. 38th St., ...


Elon Musk turns to Morgan Stanley to finance 5 California mansions  The Real Deal

Billionaire futurist Elon Musk has taken out $61 million in mortgages on five California mansions.


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 ...


‘The bottom is here’: Surprise drop in mortgage rates opens homebuying affordability window  Bankrate.com

An unexpected drop in mortgage rates in late 2018 has galvanized some homebuyers into action ahead of the busy spring sales season, spurring an early rush ...


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 ...


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 ...


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 significantly expands LIHTC financing program for multifamily properties  HousingWire

The Department of Housing and Urban Development announced this week that the Federal Housing Administration is expanding its low-income housing tax ...


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 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 ...


TFS Financial (TFSL) Issues Earnings Results  Fairfield Current

TFS Financial (NASDAQ:TFSL) issued its earnings results on Wednesday, January 30th. The bank reported $0.07 earnings per share for the quarter, missing ...


MONEY MATTERS: Top questions people are asking this tax season  The Bakersfield Californian

Don't be embarrassed to ask. If you are thinking it, you are likely in good company. Just when you got used to the annual chore of gathering your tax information,


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 trended down. If you haven't locked a refi yet, see how your payments might be affected.


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.


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 ...


Canada's housing market set for years of subdued price rises: Reuters poll  Reuters Canada

Canada's once-roaring housing market has been tamed, according to the latest Reuters poll of analysts who predict house prices will rise nationally and in key ...


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.


Working Strategies: Adding financial backups to your career backups  St. Paul Pioneer Press

That was quite a month, wasn't it? A record-breaking government shutdown, federal workers with delayed paychecks or no pay at all, private sector employers ...


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 ...


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 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 ...


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 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.


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 ...


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 slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you haven't locked a refi yet, see how your payments might be affected.


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 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.


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 ...


Suit against Isaac Kassirer raises questions over Fannie and Freddie’s increased lending on NYC multifamily  The Real Deal

More known for backing single-family loans, Fannie Mae and Freddie Mac have seen their involvement in rental mortgages grow dramatically since 2008.


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.


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.


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 ...


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 ...


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 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 rates increase for Saturday  Bankrate.com

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


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 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.


Refinance rates drop off for Monday  Bankrate.com

Multiple benchmark refinance rates sunk lower today. If you're shopping for a refi, see how that could affect you.


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, ...


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 ...


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.


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 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 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.


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.


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.


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.


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.


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.


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 ...


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 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 ...


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

If any of these scenarios apply to you, you may want to look into refinancing.


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 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 ...


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.


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 ...


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 ...


How to Invest in Mortgage REITs in 2019 | Real Estate Investments  U.S News & World Report Money

When mortgage interest rates go up, it's not just bad news for borrowers. It's also usually unwelcome news for people who invest in mortgage-focused real estate ...


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.


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 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.


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 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.



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.


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 ...


Weekly mortgage applications fall 2.5% despite a sharp drop in rates  Granite Gazette

Mortgage demand continued to weaken, with homebuyers retreating the most last week. Overall mortgage application volume fell 2.5 percent last week ...


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 ...


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 ...


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 ...


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.


Refinance rates move lower for Saturday  Bankrate.com

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


Refinance rates retreat for Wednesday  Bankrate.com

Multiple benchmark refinance rates were down today. If you're in the market for a refinance, see how your future mortgage payments could be affected.


Contrasting Madison County Financial (MCBK) & TFS Financial (TFSL)  BharataPress

Madison County Financial (OTCMKTS:MCBK) and TFS Financial (NASDAQ:TFSL) are both finance companies, but which is the superior business? We will ...


Plunge in rates sparks 23.5% spike in mortgage applications after unusually weak holidays  CNBC

Homebuyers returning to the market after the holidays may have been inspired by the drop in rates, but stock market volatility and the government shutdown ...


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.


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 ...


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.


PennyMac Financial Services (PFSI) Posts Earnings Results, Beats Estimates By $0.08 EPS  Fairfield Current

PennyMac Financial Services (NYSE:PFSI) announced its earnings results on Thursday, February 7th. The real estate investment trust reported $0.63 EPS for ...


Should you leave your 3% rate behind to do a cash-out refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

It's an age-old question: Should you get a cash-out refinance (but be placed into a higher rate) or get a HELOC? The better option in some cases, surprisingly, ...





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