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 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 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 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 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 ...


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 seeks half-million-dollar settlement with mortgage company over veteran refis  Mortgage Professional America

The Consumer Financial Protection Bureau has announced that it filed a complaint against Village Capital & Investment on allegations of deception. The CFPB ...


Mortgage rates fall for Tuesday  Bankrate.com

Several closely watched mortgage rates dropped today. If you're in the market for a home loan, see how that could affect you.


Mortgage applications rise 2%, but buyers seem unimpressed by lower rates  CNBC

While price gains are now shrinking, affordability is still at the lowest level in a decade and proving to be the biggest barrier to housing demand. Sales of newly ...


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 ...


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…


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.


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 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 ...


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.


Weekly mortgage applications rise 5.5% as homebuyers edge back in  CNBC

It may be a greater supply of homes for sale. It may be price cuts on those homes. Whatever the reason, buyers are coming back to the market, and driving ...


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.


Mortgage firm appoints chair, MD  New Telegraph Newspaper

Nigeria Mortgage Refinance Company Plc (NMRC) has appointed a Senior Advocate of Nigeria, Charles Adeyemi Candide-Johnson and Mr. Kehinde ...


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.


Mortgage refinance online applications, does it trump in-person submissions?  The Independent Singapore

As Artificial Intelligence grows in prominence, there will be many reasons to apply for mortgage refinance online. by: Phoenix Lee/. As a truly intelligent Artificial ...


Mortgage rates higher for Tuesday  Bankrate.com

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


Mortgage rates move lower for Thursday  Bankrate.com

Multiple closely watched mortgage rates declined today. See how that could affect your mortgage payments.


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 ...


Fannie Mae to Change Cash-Out Refi, Other Lending Guidelines  Zing! Blog by Quicken Loans

Fannie Mae announced some important changes to cash-out refinance guidelines that you should know. If you're ready, apply today to be considered.


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 ...


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 ...


NJ man sentenced to prison for fraudulent mortgage modification scheme  Mortgage Professional America

A New Jersey mortgage modification professional has been sentenced to more than 10 years in prison after his fraudulent home mortgage refinancing scheme ...


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, ...


Ten years in federal prison for man who scammed distressed homeowners  Cherry Hill Courier Post

PHILADELPHIA – A Gloucester City man was sentenced to just over 10 years in federal prison and ordered to forfeit almost $500,000 for his role in a scam that ...


Retreat of Smaller Lenders Adds to Pressure on Housing  The Wall Street Journal

Small and midsize U.S. mortgage firms are trimming staff, putting themselves up for sale and closing up shop at a clip not seen in years, a sign of the pressure on ...


Refinance rates slide for Friday  Bankrate.com

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


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.


Riding the house flipping boom, mortgage lender adding more jobs on North Side  Pittsburgh Post-Gazette

In the year since San Francisco-based LendingHome opened its first Pittsburgh office in Nova Place, the mortgage lender has grown its local workforce from ...


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

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


Closely watched mortgage rate climbs for Monday  Bankrate.com

Mortgage rates showed no clear direction today, but one key rate ticked up. The average for a 30-year fixed-rate mortgage cruised higher, but the average rate ...


CFPB orders nonbank lender to refund veterans for refis  American Banker

The Consumer Financial Protection Bureau ordered Village Capital & Investment, a nonbank mortgage lender in Henderson, Nev., to issue refunds and pay a ...


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.


U.S. credit demand declines, rejection rates rise: NY Fed survey  Reuters

NEW YORK (Reuters) - Americans' demand for credit declined over the previous year as expected, as mortgage interest rates rose, while the percentage of ...


Mortgage rates dip for Tuesday  Bankrate.com

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


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.


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 ...


thedailycitizen.com  Searcy Daily Citizen

A Searcy mayoral candidate enters election day today in his runoff for the position delinquent on his real estate taxes. However, according to Kyle Reeves, it is ...


US Home Mortgage Activity at 2-Month Highs as Loan Costs Fall  Live Trading News

US Home Mortgage Activity at 2-Month Highs as Loan Costs Fall. Interest rates on 30-year, fixed-rate “conforming” mortgages with balances of $453,100 or less, ...


PTSB poised to refinance up to €1.5bn of problem mortgages  The Irish Times

Permanent TSB is understood to be set to press the button in the coming days on plans to refinance as much as €1.5 billion of problem mortgages in the bond ...


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, ...


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 ...


LendingTree releases monthly mortgage offer report for August  The Mecklenburg Times

LendingTree has released its monthly Mortgage Offers Report, which analyzes data from actual loan terms offered to borrowers on LendingTree.com by lenders ...


SoFi is said to cut 7% of staff, revamp ailing mortgage unit  American Banker

Social Finance, the lending and refinancing startup valued at more than $4 billion, is cutting about 7% of its staff, according to a person familiar with the matter.


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.


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 ...


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 ...


Spring EQ Review: Simplifying home equity loans  Bankrate.com

Spring EQ has emerged as a solid competitor in the home equity space, especially among non-bank lenders. Specializing in home equity loans, its streamlined ...


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.


Mortgage rates trend down for Friday  Bankrate.com

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


Key mortgage rates mixed for Tuesday  Bankrate.com

Mortgage rates diverged today. The average for a 30-year fixed-rate mortgage was unchanged, but the average rate on a 15-year fixed ticked downwards.


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 ...


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.


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 ...


Kanawha County couple alleges mortgage lender wrongly terminated insurance policy  West Virginia Record

CHARLESTON — A Kanawha County couple is suing a mortgage loan lender, alleging breach of contract and unconscionable inducement.


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 ...


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 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.


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.


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.


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 ...


CoreLogic launches automated valuation model for mortgage originations  Mortgage Professional America

The offering is an addition to the company's Total Home Value suite of AVMs.


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.


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 rates drop off for Monday  Bankrate.com

Multiple key refinance rates tapered off today. The average rates for 30-year fixed and 15-year fixed refinances both slid down. The average rate on 10-year ...


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.


Judge raises concerns about using husband of Huawei exec as bail surety  Edmonton Sun

A bail hearing resumed Monday for Huawei executive Meng Wanzhou, who was arrested Dec. 1 and is being sought for extradition to the U.S..


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.


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 ...


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 ...





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