Mortgage & Refinancing Information


Mortgage & Refinancing Information

Refinancing Your Home - Is the Time Right?


Refinancing your home is a major decision not to be taken lightly, even in this era of low interest rates and easy money. While every mortgage company in town is touting the strategy of getting a new loan before rates rise again, there are several things you'll want to be mindful of before you go about refinancing your home.

A Home Loan Can Help You Own Your Dream Home


Owning your dream home need not just be a dream. You can own it with a home loan offered by any number of financial institutions to help meet the shortfall between the purchase price of the home and the down payment that you provide.

Refinance Benefits - Refinancing Could Save You Money


The most common reason most people refinance is to save money, but many people refinance for various other reasons.1.

Jacksonville Florida Real Estate Mortgage Home Loans - Get the Best Rate Everytime


There are hundreds of mortgage companies in the Jacksonville real estate market. All claiming to have the lowest rate and excellent customer service.

Guide to Remortgages


Here is a useful guide to remortgages. What is a remortgage? A remortgage is when the terms of the original mortgage are renegotiated, and usually means that the borrower increases the amount that they are borrowing, which is often possible due to a rise in the value of the property.

Stopping Foreclosures


If you as an investor understand the process, you will be able to help more people!Foreclosure is tuff on folks it's all about losing!Your customer loses their home and the lender loses money!If you can get your focus going in the right direction, you can create a Win - Win scenario for all involved.Writer and philosopher Johann Wolfgang von Goethe said, "Kindness is the golden chain by which society is bound together.

Bad Credit Home Loan - Apply Online and Keep Your Credit Score as High as Possible


If you have a poor or bad credit history with something in your past like a bankruptcy or a foreclosure, you know how difficult it can be when you try to get financing for a home mortgage purchase, refinance, home equity or second mortgage loan. Its important to be persistant in looking because there are home mortgage loans out there for people with bad credit.

Low Income Home Loans - FHA and VA Mortgage Loans Can Help You Get Approved


If you have low income and are looking to get approved for a home mortgage loan. There are many programs available to help you get approved.

Home Equity Loans - How To Use Your Homes Equity to Consolidate Debt


If you've got a wallet full of credit cards, and monthly payments on them that total more than 25% of your monthly income, chances are that you've considered debt consolidation loans or some other means of taming your credit card debt. But did you know that a home equity loan is another way to get the money that you need to pay off your creditors, reduce your monthly payments, and get out from under the weight of all those monthly payments?A home equity loan is essentially a second mortgage taken out with your house as the collateral.

Home Mortgage Loans - Fixed Rate, Adjustable or Balloon, Which One Is Right For You?


When you're shopping for a new home-especially for the first time-all the terms and expressions may be confusing and difficult to understand. Adjustable rate, fixed rate, balloon payment - how do you decide which is the right type of home mortgage for you if you're not even sure what each of them are?The name of the mortgage type usually has to do with how you'll pay for your loan - how the interest on the loan is being determined by the bank.

Adjustable Rate Mortgages - Understand the Benefits Compared to a Fixed Rate Mortgage


Adjustable rate mortgages can be very tempting to home buyers, yet they carry a great deal of uncertainty. Fixed rate mortgages offer rate and payment security, but they are more expensive.

Fixed Rate Mortgage Loans - Understand the Pros and Cons of the Fixed Rate Mortgage


There are many benefits and drawbacks to consider when deciding if a fixed rate mortgage is right for you. It is important to look at all options when it comes to something as important as getting a mortgage for your new home.

Buying A Home With No Money Down or Bad Credit - PMI Can Make It Easier


Private mortgage insurance is an excellent method for homebuyers who have trouble saving money, are short on money, or have bad credit, to get into a home now. Private mortgage insurance is provided by a third party to protect the lender in the mortgage contract.

A Guide to UK Buy to Let Mortgages


Essentially there is little difference between the process that one follows for a buy to let mortgage in the UK than there is for any other type of mortgage. The lender still has to consider your credit worthiness, the value of the property, how much down payment you can afford and all of the other usual considerations.

Bad Credit? With Poor Credit You Can Still Refinance Or Get A Home Equity Line Of Credit


Have you decided to refinance your home or apply for a home equity line of credit but worry about your credit rating? Even with poor credit it is possible to refinance your existing mortgage or obtain a home equity line of credit. New practices in the lending industry have made it easier than ever for you to refinance your mortgage or get a home equity line of credit.

More Articles from Mortgage & Refinancing Information:
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MORE RESOURCES:
Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


Prepayment activity hits 10-year low as mortgage refinancing decreases  National Mortgage News

Continual declines in the refinance share of mortgage originations led to prepay rates dropping to their lowest levels since 2009, according to Black Knight.


Senior Life: How cash-out refinancing can turn into a costly mistake  The Delaware County Daily Times

(BPT) - After years of making regular mortgage payments, it feels good to watch your net worth make upward progress. That's especially true if your house is also ...


Lender offers cash-out refis to aid federal workers during shutdown  National Mortgage News

Better Mortgage has launched a mortgage refinance program to help federal government employees affected by the shutdown utilize their home equity for living ...


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 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 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.


REAL ESTATE MATTERS: Reasons to refinance your mortgage  Sarasota Herald-Tribune

Q: If you have a fixed rate mortgage, why would you ever want to refinance if you plan to stay in the home for duration of mortgage?A: That's a good question.


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.


When Is the Best Time to Refi Your Home?  INQUIRER.net

We often hear the question, when is the best time to refinance your home. Learn the specifics about refinancing so you can take advantage of its benefits.


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.


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 ...


Refinance mortgage rate moves higher for Saturday  Bankrate.com

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


Refinance mortgage rate rises for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate climbed higher. If you're shopping for a mortgage, see what that means for you.


Thanks to lower mortgage rates, 550K homeowners could save by refinancing | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you already own a home, it might be time to think about refinancing. According to new data, more than half a million homeowners could lower the mortgage ...


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.


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 ...


Mortgage rates stand pat as federal shutdown creates uncertainty about economy  The Washington Post

Without access to the usual economic data because of the federal government shutdown, mortgage lenders are left with a murky picture of where the economy is ...


Better Mortgage Launches Emergency Refinance Program to Help Government Workers Currently Furloughed or Working without Pay  PRNewswire

NEW YORK, Jan. 17, 2019 /PRNewswire/ -- Better Mortgage, one of the leading digital mortgage lenders in the U.S., today announced that it has launched a...


ARM mortgages are popular again: Are they the choice for you? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

ARM mortgages are suddenly more popular than they have been in years. Rising interest rates, better loan products and big money-savings are making ...


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 ...


Why mortgage lending at Wells Fargo, Chase and Citi plunged  MarketWatch

Mortgage lending at three of the country's biggest banks has fallen off a cliff as customers pivot to online-only options and stop refinancing.


Home mortgage rates are down but you'd better hurry  Dallas News

Small changes in mortgage rates can have a big impact on the housing market.North Texas home sales fell about 6 percent in the fourth quarter of...


Mortgage Rates Fall as Government Shutdown Rolls On – Market Update  Zing! Blog by Quicken Loans

It's Day 24 of the partial government shutdown, but inflation is low, as are jobless claims and mortgage rates. All that and more in Market Update!


Deutsche Lends $68M to Refi UES Condo Building  Commercial Observer

Wonder Works Construction has landed a $68 million Deutsche Bank mortgage to refinance a condo tower on the Upper East Side of Manhattan.


US mortgage market stable but facing challenges says Fitch  Mortgage Professional America

The US mortgage and housing market has some relatively solid fundamentals. But a report from Fitch Ratings says there are some challenges ahead including ...


The Right Way to Tap Your Home Equity for Cash  Yahoo News

If you own a house and are feeling a bit cash-strapped, there's always the temptation to tap your home equity. Rising home prices have created record levels of ...


Refinancing needs can be complex as no two homeowners are in exact same situation  The Independent

Finding a mortgage provider and loan that meets your refinancing needs can be a complicated process and customers always have several questions.


Falling Mortgage Rates Raise Hopes for Battered Housing Market  The Wall Street Journal

Mortgage rates have fallen to around their lowest levels in eight months, offering a potential boost to the housing market after a rough patch in recent months.


US Mortgage Launches Program to Help Government Workers During Shutdown - Press Release  Digital Journal

US Mortgage Launches Emergency Home Buying and Refinance Program to Help Government Workers Currently Furloughed or Working without Pay. Program ...


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 ...


Millionaires Cash-Out Too; Big Refis for Big Homes  Mortgage News Daily

Somewhere in this country there are 230 homes with mortgage balances between $10 and $20 million dollars. According to a post written by Arthur Jobe in the ...


District Court orders mortgage company to pay $260000 in civil money penalties for deceiving veterans about refinance benefits  Lexology

On December 21, the U.S. District Court for the District of Nevada ordered a non-bank mortgage company to pay $268,869 in redress to consumers and a civil ...


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.


Tremont Mortgage Trust Closes $24 Million First Mortgage Bridge Loan to Refinance Holiday Inn & Suites Atlanta Airport North  Business Wire

Tremont Mortgage Trust (Nasdaq: TRMT) today announced the closing of a $24 million first mortgage bridge loan it provided to refinance the Holiday Inn.


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 ...


U.S. Bank steps up with low-interest loans for furloughed federal workers  Bankrate.com

Customers of U.S. Bank who are affected by the partial government shutdown are getting offered some relief. On Friday, the bank announced that it would be ...


How To Survive The Federal Government Shutdown  Forbes

Here's the best financial advice for the federal government shutdown.


Houston Firm Secures Loans For 6 Texas Multifamily, Retail Properties  Bisnow

LMI Capital closed on five multifamily developments and one shopping center in the Houston area in December. The deals exceed $28M.


Subservicer, Non-Agency Products; World Debt Increasing; Primer on "Duration" and Mortgage Pricing  Mortgage News Daily

Time has a way of slipping by. For example, I've really been meaning to transfer a bunch of Lotus 1-2-3 and Quattro Pro spreadsheets I have off of some floppy ...


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 ...


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.


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 ...


Businesses offer furlough freebies, shutdown specials and assistance to federal workers  USA TODAY

Wireless providers including AT&T, Verizon and Sprint are willing to work with furloughed federal government workers on payment programs.


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 ...


RBI’s revised ECB norms to curb refinancing options for corporates, says Fitch; here is the reason  The Financial Express

The changes in external commercial borrowings guidelines by Reserve Bank of India (RBI) will narrow refinancing options for Indian corporations, as masala ...


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 rates mixed for Monday  Bankrate.com

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


Expect to see fewer Keybank branches in future - Buffalo Business First  Buffalo Business First

KeyBank closed a handful of branches in Western New York last year, but it's unclear how many will close this 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.


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 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.


3 Signs You Should Refinance Your Mortgage  The Motley Fool

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


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 ...


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 ...


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.


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.


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.


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 ...


Refinance mortgage rate falls for Tuesday  Bankrate.com

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


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 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 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.


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.


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 ...


Refinance rates slide for Friday  Bankrate.com

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


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 ...


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 ...


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, ...


What the government shutdown means for New Jersey agencies  NorthJersey.com

Travelers could face long lines at Newark Airport because of TSA employees calling out sick, and the Paterson Great Falls visitor center is closed.


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.


Do mortgage lenders have minimum mortgage amounts? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Are there minimum mortgage amounts to buy or refinance a home? Not according to most official program guidelines, but most lenders do set minimum amounts ...


Refinance rates tick lower for Thursday  Bankrate.com

Several key refinance rates declined today. See what that means for your refinance chances.


Refinance rates fall for Saturday  Bankrate.com

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


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 Long Does It Take to Refinance a Mortgage?  Realtor.com News

How long does it take to refinance a mortgage? Refinancing should take anywhere from 30 to 45 days on average, although that can stretch to 60 days if you hit ...


Refinance 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.


Best Mortgage Lenders  Bankrate.com

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


Refinance 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 advanced. If you're shopping for a home loan, see what that means for you.


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.


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 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 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.


Mortgage Refinancing Sinks Near a One-Decade Low on Rising Rates  Bloomberg

Years of low interest rates have let homeowners refinance their mortgages on more favorable terms, or even cash out some of their equity to send a kid to ...


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 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.


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.


Refinance rates drop off for Saturday  Bankrate.com

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


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 ...


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 ...


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 ...


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.


Federal shutdown strains some Las Cruces families; some local businesses offer help  Las Cruces Sun-News

At least 60 people from throughout the county have filed for unemployment benefits. And others haven't reached that point but are feeling the strain.


Key Development Considerations - Affordable Housing  Proshare Nigeria Limited

Apart from being one of the items that absorb a large portion of household expenses, housing plays a special role in the social, political and economic discourse ...


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 ...


Weekly mortgage refinances drop to an 18-year low as rates jump  CNBC

A sharp rise in interest rates last week meant far fewer homeowners could benefit from a mortgage refinance.


Cash-Out Refinance Calculator  NerdWallet

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


Refinance rates 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.


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