Mortgage & Refinancing Information


Mortgage & Refinancing Information

Applying for a Home Loan


Applying for a home loan may not be the most exciting way to spend your time, but if you are like many potential homeowners, it is probably a necessary evil. If you have some knowledge of the process ahead of time, however, it will go much more smoothly.

5 Tips for Savvy Use of Your Home Equity Line of Credit


Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary reason the nation's economy has been able to emerge from the recent recession.

Decision Time: Home Equity Loan or Home Equity Line of Credit?


Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002.

10 Things to Look for in a Home-Equity Line of Credit


If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash reserves for emergencies, or pay for large expenses (like college tuition or home improvements) that have irregular payment schedules.

Using a Home Mortgage Calculator


There are a variety of tools online that you can use to determine how much you can afford to pay for a home, how much the monthly payment will be based on the sale price of a home, and calculators to tell you whether it is better to rent or buy based on your personal situation. Using a home mortgage calculator online doesn't cost any money, and can be an extremely useful tool in your preparation and research for buying a home.

Obtaining a Home Equity Loan Online


Private lenders, banks, and mortgage companies are all setting up shop on the internet, and all make it possible to obtain a home equity loan online. Competition between lenders is stiff, so be sure to check a few companies that offer applications about their rates, products, and customer service.

Preventing Foreclosure Proceedings and Understanding Your Options


Every year over 8 million homeowners are seeking help preventing foreclosure proceedings. This is a stunning 30 year high.

How To Save Money On Your Mortgage


Obtaining a home loan is arguably the most expensive transaction you'll experience in your lifetime. Therefore, getting the best home at the greatest value is an endeavor worth pursuing.

Be Prepared With Your Home Equity Loan Checklist


A home equity loan can be an excellent way to obtain money in order to pay off high interest bills or consolidate your current debt into one monthly payment. A home equity line of credit is a form of revolving credit in which your home serves as collateral.

Mortgage Free In 15 Years!


Imagine paying your mortgage off in 15 years! Think of all the great things you could do with that extra money. What would you do? Retire early? Buy an R.

Little Known Secret: Eliminate your Mortgage in 23 years or less!


Wanna know a little secret? There is an ingenious method you can use, to pay off your 30 year fixed rate loan, in 23 years or less. It's straightforward, simple, and easy to understand.

Is an ARM Right For You?


Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate of an ARM goes up and down based on whatever external index it is tied to.

Top 10 Things to Consider on Home Loans


Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of Loans-Directory.Org:Down-PaymentFixed Versus Adjustable RateAPRLoan TypesLoan Amount Qualification, IncomeLoan Amount Qualification, ExpensesEmployment and Credit HistoryPointsSub-Prime LoansShort-Forms1.

Online Mortgages in 5 Easy Steps!


We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance.

Mortgage: For Those Twilight Years


Tracing back, the concept of reverse mortgages began when one good soul, Nelson Haynes of Deering Savings and Loans wanted to help out the widow of his high school football coach. Today that small act has developed into a popular financing option for the senior citizens.

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


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.


Why did millions of homeowners not refinance under HARP?  Mortgage Professional America

The FHFA set up its Home Affordable Refinance Program in 2009 as millions of US homeowners were left underwater from the financial crisis. But ten years on, ...


"Liar Loans" Return | Smart Change: Personal Finance  Twin Falls Times-News

MoneyTipsWhen it comes to dealing with risk, America's housing market struggles with balance. How can lenders offer affordable home mortgages for more ...


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.


Mortgage Applications Drop Despite Lower Mortgage Rates: Industry Is Baffled  Seeking Alpha

The MBA Refinance Mortgage Index has reacted in a very muted manner to the lower interest rates this year, after having fallen steadily since October 2017 as ...


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

Mortgage rates' steady decline is making purchasing a home more affordable just as the spring buying season heats up. According to the latest data released ...


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.


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.


Refinance rates advance for Saturday  Bankrate.com

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


Refinance rates hold steady for Friday  Bankrate.com

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


Here's why the housing market should expect a cash-out refi boom  HousingWire

Home equity levels are climbing while mortgage interest rates are falling, and this has some experts predicting an inevitable boom in cash-out refinances.


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 ...


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 ...


FHA expands affordable housing pilot program  American Banker

The agency's pilot program, designed to streamline mortgage insurance applications associated with the Low-Income Housing Tax Credit program, will now ...


Mortgage applications drop 3.7% as homebuyers pull back  CNBC

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


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 ...


Economic slowdown reduces 2019 and 2020 mortgage forecasts: Fannie Mae  National Mortgage News

As expected economic growth remains at 2.2% — down from 2018's 3.1% — 2019 should only be accompanied by a solitary rate hike from the Federal Reserve, ...


Gap between appraisals and perceptions widens in January  theday.com

Homeowners were less likely to make an accurate estimate of their property's appraised value at the start of 2019, according to the retail mortgage lender.


My second mortgage rate is too high! What should I do? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If your second mortgage rate is too high, you have many options. The trick is to identify the best one. Here's how you can do that.


West Park resident weighs paying off mortgage vs. refinancing now that adjustable-rate loan is resetting: Money Matters  cleveland.com

I am suggesting to my husband that we pay off the house and pay ourselves our monthly mortgage amount. The question is that will affect the amount we will ...


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 ...


Mortgage Refinance Calculator launched by MoneyHub  Scoop.co.nz

Mortgage Refinance Calculator launched by MoneyHub to give rapid one-click results to help New Zealanders make better financial decisions.


Should You Refinance Your Student Loans? | Find a Loan  U.S News & World Report Money

Refinancing student loans can save you money under the right circumstances. It could be helpful to score a lower interest rate, to change from a variable interest ...


The average adjustable-rate mortgage is nearly $700,000. Here’s what that tells us.  MarketWatch

Adjustable-rate mortgage sizes are vastly bigger than fixed-rate loans, as mortgage lenders use them as a means of getting people access to homeownership at ...


HomeStreet Bank retreats from mortgage space  Mortgage Professional America

Months after slashing jobs and selling servicing rights, HomeStreet Bank is now seeking to exit the mortgage business almost entirely.


Cash-strapped banks to miss out on housing cash  The Standard

There are fears that the financially-crippled lenders might misuse the cash, thus defeating the intended purpose.


One-Time Closing Costs with Montgomery Bank's New Renovation Mortgage  Southeast Missourian

Thursday, February 21, 2019. Congratulations! You found a house in your price range and are imagining all the ways you could renovate it to feel like your own, ...


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

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


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 ...


TIAA CREF Investment Management LLC Raises Stake in TFS Financial Co. (TFSL)  Fairfield Current

TIAA CREF Investment Management LLC lifted its stake in shares of TFS Financial Co. (NASDAQ:TFSL) by 0.6% during the 3rd quarter, according to the ...


Executive Q&A: Takeouts, Investment Sales to Fuel Mortgage Market  Multi-Housing News

While apartment fundamentals are strong, there are likely to be fewer refinancings in 2019 because many borrowers refinanced last year, according to PGIM ...


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.


Dream Office REIT Reports 2018 Year-End Results Toronto Stock Exchange:D-UN  GlobeNewswire

TORONTO, Feb. 21, 2019 (GLOBE NEWSWIRE) -- DREAM OFFICE REAL ESTATE INVESTMENT TRUST (D.UN-TSX) or (“Dream Office REIT”, the “Trust” or ...


US mortgage requests rise as mortgage charges maintain close to 10-month low: MBA  Infosurhoy

(Reuters) – U.S. mortgage applications increased for the first time in five weeks as most home borrowing costs hovered near their lowest in 10 months, the ...


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 ...


HomeStreet Bank Seeks to (Mostly) Exit the Mortgage Business  Mortgageorb

Citing that “it is still unclear when, and to what extent, industry conditions will improve,” as well as an overly burdensome regulatory environment, HomeStreet ...


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 ...


Mortgage rates: Recognize this mortgage lender sales trick, and don't fall for it | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Yes, there is a series of videos on YouTube instructing mortgage loan officers and brokers on how to limit competition and sell higher prices and mortgage rates.


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.


Investors Pile Into This Mortgage Backed Securities ETF  ETF Trends

Amid a more sanguine outlook for U.S. interest rates this year, which is helping steady mortgage applications, investors are seeking lower risk, yield-driven ...


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.


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.


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.


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 ...


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 ...


How do gold prices affect mortgage rates? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you're planning to buy or refinance a home, you're probably looking at mortgages. You may be wondering why interest rates rise and fall so much, and how to ...


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see how your finances could be affected.


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 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 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.


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

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


Refinance mortgage 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.


Analysts Set $17.00 Price Target for TFS Financial Co. (TFSL)  Fairfield Current

TFS Financial Co. (NASDAQ:TFSL) has been assigned an average broker rating score of 2.00 (Buy) from the two brokers that cover the stock, Zacks Investment ...


Refinance mortgage rate ratchets higher for Thursday  Bankrate.com

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


Refinance rates 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.


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 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 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.


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 ...


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 mortgage rate falls for Tuesday  Bankrate.com

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


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.


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, ...


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.


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 arrears hit highest level since 1996  YourMortgage.com.au

More Australian borrowers are falling behind in their mortgage repayments, a new study from Standard & Poor's revealed. Figures show that the proportion of ...


Home sales continue to get whacked, falling to a 3-year low, and an increase in mortgage delinquencies is looming  Business Insider

The housing market got more bad news this week, as existing-home sales fell again in January, hitting a three-year low.


Refinance rates slide for Thursday  Bankrate.com

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


Refinance rates increase for Saturday  Bankrate.com

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


New York-Presbyterian Medical Group Hudson Valley adds doctor; more business news  The Journal News | LoHud.com

Dr Jayne A Lieb has joined the New York Presbyterian Medical Group Hudson Valley (Photo11: submitted). New York-Presbyterian adds doctor. The Hudson ...


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.


Analysts Issued $17.00 Target Price for TFS Financial Co. (TFSL)  BharataPress

TFS Financial Co. (NASDAQ:TFSL) has been assigned an average broker rating score of 2.00 (Buy) from the two brokers that cover the stock, Zacks Investment ...


Refinance mortgage rates mixed for Thursday  Bankrate.com

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


3 Signs You Should Refinance Your Mortgage  The Motley Fool

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


Refinance rates ease for Monday  Bankrate.com

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


Refinance rates slide for Monday  Bankrate.com

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


Refinance mortgage rate eases for 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.


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.


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 rate eases for Thursday  Bankrate.com

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


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

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


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

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


Refinance rates trend higher for Tuesday  Bankrate.com

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


Refinance mortgage rate trends higher for Tuesday  Bankrate.com

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


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

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


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

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


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 ...


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.


New York Property Firm Hit the Jackpot. Then Amazon Pulled Out.  The Wall Street Journal

There may be nobody who lost more from Amazon.com Inc.'s pull out of Queens than the real-estate investors at Savanna. The New York-based property firm ...


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 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.


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