Mortgage & Refinancing Information


Mortgage & Refinancing Information

Poor Credit Home Mortgage Loans - The Role of the FICO Score


If you have bad credit history and are looking to get a home mortgage loan, then chances are you are going to need to know all about how the FICO credit scoring system works.FICO - Fair ISAAC & Company - is the leading credit reporting agency that lenders turn to when it comes time to credit scoring your home loan mortgage application; so if you do have bad credit history, these guys will know.

Applying for a Home Mortgage Loan Online - The Pros and Cons


If you have considered applying for a home loan mortgage online, there are a few pros and cons to think about with getting a home mortgage loan online:Pros:1. The process of applying for an online home mortgage loan is very simple, unlike some lenders who operate in the 'real' world and ask for heaps of information.

How To Get The Best Home Equity Loan


Are you wondering how to get the best Home Equity loan? Do not be afraid to shop around. If you decide that the timing's right for a home equity loan, ask your friends or family for recommendations of lenders.

How to Secure the Best Mortgage Deal and Save Yourself Thousands in Interest


When you consider that the average home owner will pay out far more in interest over the lifetime of their mortgage than their home actually cost in the first place, you can see why working to secure yourself the best possible mortgage deal now could save you tens of thousands of dollars in interest over the 25 - 30 year lifetime of your home loan.For the majority of us our house is the single most important and expensive purchase we ever make! Because this is the case we invest a lot of time and effort into finding the perfect property in the most ideal location, however few of us invest the time and effort we should into researching and securing the best possible finance method for purchasing our home.

Mortgage Information for the First Time Homebuyer


Inflation in the United States is increasing rapidly and home prices are soaring! There are millions of american families that are unaware of the many mortgage programs that are available for first time homebuyers.There are many types of mortgage finance programs available to first time homebuyers.

Kings Bay Georgia Mortgage Information


When choosing the right mortgage company for your home purchase or refinancing, there are a few things to consider.What is this lenders reputation? Does this lender have a proven track record in the community and can they offer you not only the lowest interest rates available, but design a program to fit your needs and counsel you about your home purchase.

Kingsland Georgia Mortgage Company Information For Homebuyers Transferring to Kings Bay


If you are transferring to the Kings Bay Georgia Naval Submarine base, more than likely you will need a lender to buy a home.VA mortgages provide military homebuyers with 100% financing to buy a home.

Why Choose a Home Owner Loan?


Most people choose a home owner loan as it can release the capital that is tied up in their property for immediate use. The loan can be used for any purpose, and is available to anyone who owns their home.

Home Equity Loan - Not Just For Home Repairs, And Tax Deductible, Too!


Thanks to the combination of low interest rates and skyrocketing property values, home equity loans are more popular than ever. The value of home equity loans taken out by Americans has doubled in the last two years, and the market for them shows no signs of slowing down.

Refinancing and Car Finance - Is it worth it?


Refinancing and Car Finance - Is it Worth It?No doubt you have heard of refinancing your mortgage. It has become all the rage, but now you can also refinance your car loan.

Home Equity Can Create a Never-ending Money Cycle


What could you do with $10,000? Well, you can have it, now in a new home equity loan! Did you know that if you have been in your home for just one full year, you may already have the opportunity to take out huge dollars in equity from your home -- tens of thousands, even! Did you also know that you can get this money with no closing costs, use it any way you like, and, best of all, it will cost you as little as the price of your cable bill each month, and you can create an amazing money cycle that will give you an endless supply of cash.Unlike conventional mortgages, home equity loans are paid back with interest-only payments, and have no taxes or insurance added, which make for extremely low payments.

Interest-only Equity Loans Create Amazing Power and are Quite Easy to Get


The power of home equity and interest-only payments, provided from most home equity loans is amazing. You can get a home equity loan, with no closing costs and pay as little as $30.

Imagine Cutting Over $8,000 Off Your Mortgage This Year


I once helped a customer cut over $700 off his monthly mortgage payment. That's right, over $8,000 each year and over $40,000 in just five years.

Home Loan Confusion Continues


Unfortunately, most Americans still do not understand how home loans work and how to take advantage of the wide array of programs available. The way I see it, people are still confused about mortgages in general and real estate finance, in particular.

Home Equity Loan - Beware of the lingering lien!


A problem that often arises when people try to refinance their home is the discovery of a pre-existing lien from a previous loan that was not removed by the lending company. The cost of removing a lien and returning the title to the homeowner, a process known as reconveyance, is usually included in fees associated with a home equity loan.

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MORE RESOURCES:

Refinance mortgage rate moves higher for Monday  Bankrate.com

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


Mortgage refinance booms are a thing of the past: MBA chief economist  National Mortgage News

The era of plentiful refinance volume is over for the foreseeable future, because mortgage rates remained in a very narrow band for the past decade, said ...


Can You Use a Mortgage Refinance to Pay Down Debt?  The Motley Fool

Find out if you can use a mortgage refinance loan to pay down debt -- and if it's a good idea to do so.


Kenya launches mortgage refinance firm to offer loans to lenders - Xinhua | English.news.cn  Xinhua

NAIROBI, May 22 (Xinhua) -- Kenyan President Uhuru Kenyatta on Wednesday launched the Kenya Mortgage Refinance Company (KMRC), a financial ...


Fixed mortgage rates continue their slide, falling for the fourth week in a row  The Washington Post

Fixed mortgage rates didn't go down much, but they did go down for the fourth week in a row. According to the latest data released Thursday by Freddie Mac, the ...


Refinance rates fall for Wednesday  Bankrate.com

Several closely watched refinance rates decreased today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both ticked downward.


Mortgage rates move higher for Tuesday  Bankrate.com

Multiple closely watched mortgage rates rose today. The average for a 30-year fixed-rate mortgage were higher, but the average rate on a 15-year fixed receded ...


Refinance mortgage rate increases for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate ticked up. See what that means for you if you're in the market for a mortgage.


Mortgage rates head down for the third week in a row  The Washington Post

A volatile week in the financial markets had little effect on mortgage rates. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate ...


What homebuyers and refinancers should know about timing mortgage rate movements  Bankrate.com

It's important to remember that you have options when it comes to your mortgage and trying to predict interest rate movements. The options, however, get more ...


Refinance rates tick lower for Monday  Bankrate.com

Several closely watched refinance rates dropped today. If you're shopping for a home loan, see what that means for you.


Refinance mortgage rate ratchets higher for Tuesday  Bankrate.com

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


Refinance rates retreat for Friday  Bankrate.com

Several closely watched refinance rates trended down today. See what that means for your refinance chances.


Fannie Mae and Freddie Mac are refinancing fewer mortgages than at any point since the crisis  HousingWire

Recently released data from the Federal Reserve Bank of New York's Center for Microeconomic Data revealed that the first quarter of this year was the mortgage ...


Refinance mortgage rate drops for Friday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a refi, see how your future mortgage payments could be affected.


Can You Refinance a Reverse Mortgage? | US  U.S News & World Report Money

Refinancing a reverse mortgage may be best for adding a spouse to the loan, getting a better interest rate or accessing more home equity.


Refinance rates decline for Tuesday  Bankrate.com

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


Weekly mortgage applications drop 4.3%, despite lower interest rates  CNBC

It may be the heart of the spring housing season, but the mortgage market isn't seeing big business.


Refinance rates ratchet higher for Monday  Bankrate.com

Multiple benchmark refinance rates floated higher today. If you're shopping for a refi, see how your future mortgage payments could be affected.


Mortgage rates pull back on weak inflation data  The Washington Post

After a month of increases, mortgage rates retreated this week. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average ...


Mortgage applications slightly lower despite three weeks of falling rates  CNBC

Mortgage hunters were not particularly impressed with the latest drop in interest rates. Mortgage application volume dropped 0.6% last week from the previous ...


Mortgage rates decline for Tuesday  Bankrate.com

Several benchmark mortgage rates slid lower today. If you're shopping for a home loan, see how your future mortgage payments could be affected.


Trade tensions push mortgage rates lower for second week in a row  Washington Post

Concerns about the U.S.-China trade feud pushed mortgage rates lower this week. According to data released Thursday by Freddie Mac, the 30-year fixed-rate ...


Mortgage rates increase for Thursday  Bankrate.com

Several key mortgage rates ticked up today. See how that could affect your mortgage payments.


Low rates, refi rebound push up mortgage-application activity  Scotsman Guide News

A weekly bounce back in refinance activity pushed mortgage applications to grow from one week earlier, according to the newest data from the Mortgage ...


Mortgage Rates Bounce Back  Mortgage News Daily

Mortgage rates had a fairly decent day yesterday as far as most lenders are concerned. A few lenders saw fit to bump rates up in the afternoon following a day of ...


More Americans apply for mortgages as refinances rise  Mortgage Professional America

MBA says they're keeping an eye on trade disputes affecting demand for housing.


Why Refinancing Your Mortgage At A Lower Rate Might Be A Bad Idea  Seeking Alpha

Offers concrete examples of how refinancing your mortgage at a lower rate can increase your interest payments. Gives two reasons for this: The sacrifice of the.


Refinance rates tick lower for Tuesday  Bankrate.com

Several key refinance rates dropped today. If you're shopping for a home loan, see what that means for you.


Mortgage rates trend down for Wednesday  Bankrate.com

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


How to get out of debt: 4 balances you should refinance in 2019  USA TODAY

Is this a good time to refinance your debt? Here are a few debts that you should consider refinancing in 2019.


One simple change to your marriage increases the risk of divorce by 33% and how to decide whether to refinance your mortgage  MarketWatch

Happy Wednesday, MarketWatchers. Here are today's top stories: Personal Finance. People are paying up to $10,000 for plastic surgery to look good in yoga ...


Mortgage Rates Mostly Hold Near Lows, But Things Could Change Tomorrow  Mortgage News Daily

Mortgage rates moved microscopically higher today, depending on the lender. In terms of underlying movement in the bond market, however, rates should have ...


Can You Use Home Equity to Buy a Vacation Home?  U.S News & World Report Money

If you've built up equity in your primary home, you could tap into it for a vacation home purchase. But consider whether using home equity to buy another ...


Weekly mortgage applications rise 2.7% in a strong week for homebuyers  CNBC

After pulling back for several weeks, homebuyers stepped back into the mortgage market last week.


Mortgage Traders Breathe Easier as the Risk of a Refinancing Wave Ebbs  Bloomberg

Mortgage investors are breathing a sigh of relief amid signs a potential surge in prepayments set to weigh on returns may be avoided.


US News: How and Why to Refinance a Reverse Mortgage  Reverse Mortgage Daily

Refinancing an existing reverse mortgage into a new and potentially better one could be an option that works for some senior homeowners, but it's not a ...


Another drop for U.S. mortgage rates  Dayton Business Journal

U.S. mortgage rates have modestly dropped again after a month-long climb, according to Freddie Mac. The 30-year fixed mortgage averaged 4.1 percent for the ...


Mortgage rates fall for Monday  Bankrate.com

Several closely watched mortgage rates trended down today. If you haven't locked yet, see how your finances could be affected.


Mortgage rates decline for Thursday  Bankrate.com

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


What the plunging 10-year Treasury yield says about the economy and stock market  Yahoo Finance

The 10-year Treasury yield has major implications for the stock and housing markets.


HARPing on Fannie Mae, Freddie Mac Refinancing  The MReport

First American Financial Corporation reported that Fannie Mae and Freddie Mac completed 234,716 refinances in Q1 2019, with 901 loans refinanced through ...


Bring on the refis: Freddie Mac expects mortgage rates to remain low all year  HousingWire

Favorable mortgage rates are expected to boost homebuyer affordability for the remainder of 2019, according to Freddie Mac's April Forecast. According to the ...


HELOC: Understanding Home Equity Lines of Credit  NerdWallet

A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity ...


Mortgage rates climb for Monday  Bankrate.com

Several benchmark mortgage rates notched higher today. If you haven't locked yet, see how your future mortgage payments could be affected.


Refinance rates trend higher for Saturday  Bankrate.com

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


Mortgage applications edge up in US housing market - Xinhua | English.news.cn  Xinhua

WASHINGTON, May 22 (Xinhua) -- Mortgage applications in the United States increased as mortgage rate continued its downward pattern, according to a report ...


Low Rates Stabilize Refinancing Share of Originations  Mortgage News Daily

Refinancing held on to a 35 percent share of mortgage originations in April according to the Origination Insight Report from Ellie Mae as the 30-year note rate ...


Refinance rates tick higher for Thursday  Bankrate.com

Multiple closely watched refinance rates trended upward today. See what that means for your refinance chances.


April's dip in home sales may portend significant gain in May, economist says  HousingWire

Housing economists were left scratching their heads this week over a National Association of Realtors report showing U.S. existing home sales fell in April. In the ...


When to Refinance a 15 Year Mortgage to a 30 Year Mortgage  SavingAdvice.com

When you are ready to refinance a mortgage, one thing to you may wonder is should I Refinance My 15 Yr Mortgage to a 30 Yr Mortgage? Read her to find out.


Mortgage rates decrease for Wednesday  Bankrate.com

Multiple benchmark mortgage rates tapered off today. If you're shopping for a home loan, see how your finances could be affected.


Rotich to unveil mortgage refinance company today  Business Daily

Kenya's first mortgage refinancing company that will make it easier for banks to access long-term funds for cheaper home loans will be launched today after 20 ...


Mortgage rates fall for Wednesday  Bankrate.com

Several closely watched mortgage rates sunk lower today. The average rates on 30-year fixed and 15-year fixed mortgages both were down. On the ...


'Now Is The Time To Refinance': Low Mortgage Rates Cause Surge In Refinancing  Forbes

Last week's massive dip in mortgage rates apparently pushed homeowners into action. According to new data from the Mortgage Bankers Association, ...


AfDB Approves EUR 90 million to support Kenya’s Mortgage Refinance Company  THISDAY Newspapers

Bennett Oghifo. The Board of the African Development Bank has approved a EUR 90 million loan to support the establishment of the Kenya Mortgage Refinance ...


Is a No Closing Cost Mortgage Right for You?  U.S News & World Report Money

A no-closing-cost mortgage conserves cash upfront when borrowers buy or refinance a home, but you will pay more interest over the life of the loan.


In mortgages, these banks zigged while many others zagged  National Mortgage News

While regulation and nonbank competition are spooking some banks, others believe low funding costs and the right relationships can help them succeed.


Don’t dig yourself deeper in debt with these ‘solutions’  USA TODAY

Americans are slipping ever deeper into hock. To cope, many people turn to debt consolidation loans, cash-out mortgage refinancing and retirement plan loans ...


How to Refinance a Small Business Loan  U.S News & World Report Money

Refinancing a small business loan, compared with a mortgage, has a few more steps and may require as much documentation as your initial business loan.


May Fed Meeting: Mortgage rates fall as the Fed maintains "patient" stance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The third Fed meeting of the year adjourned on May 1 and mortgage rates are benefitting. The group continued on the “patient” path as far as future rate hikes.


Mortgage refinance boom goes bust as rates shift higher  CNBC

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


Mortgage rates retreat for Thursday  Bankrate.com

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


Treasury launches the Kenya Mortgage Refinance Company to deliver affordable housing  HapaKenya

The National Treasury has today launched the Kenya Mortgage Refinance Company (KMRC). KMRC which is basically a liquidity facility has been established ...


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 ...


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 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.


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

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


Mortgage rates are low. Here's how to figure out if you should refinance  NBC News

Low mortgage rates have many people thinking about buying a new home or refinancing their current mortgage.


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 ...


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

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


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


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 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 drops for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a refi, see how that could affect you.


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 ...


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

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


Westpac Singapore's Mortgage Exit Leaves Borrowers Hanging  finews.asia

Westpac Singapore's decision to exit from the mortgage business is leaving borrowers in the lurch.


Refinance mortgage rates mixed for Thursday  Bankrate.com

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


What You Should Know About Mortgage Programs for Teachers  U.S News & World Report Money

A number of local, state and federal programs offer eligible teachers steep discounts on homes and attractive mortgage terms.


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

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


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

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


Refinance mortgage 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 mortgage rate slides for Wednesday  Bankrate.com

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


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

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


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 trend higher for Monday  Bankrate.com

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


Refinance rates rise for Friday  Bankrate.com

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


Refinance mortgage rate eases for Monday  Bankrate.com

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


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

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


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 ...


Bank of Ireland planning to sell debt on £2.27bn of prime UK mortgages  The Irish Times

State's largest domestic bank could raise as much as £350m.


Refinance rates move higher for Wednesday  Bankrate.com

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


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.


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 ...


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 ...


Mortgage application increase led by higher refinance volume  National Mortgage News

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


Refinance rates trend higher for Wednesday  Bankrate.com

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


Refinance rates decline for Thursday  Bankrate.com

Several benchmark refinance rates decreased today. See what that means for your refinance.


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