Mortgage & Refinancing Information


Mortgage & Refinancing Information

Alternative Options For Rising Interest Rates


As interest rates have risen in the last six weeks from record lows, homeowners are once again face with finding viable options to reduce the amount of interest paid on their home loans. The rush to refinance provided borrowers with good to excellent credit the opportunity to take advantage of low interest rates, that helped to reduce their monthly mortgage payments, which was the only benefit provided by the lowered rates.

Private Mortgage Insurance (PMI)


If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.

5 Things In Selecting The Best Mortgage - You Should Know


Your goal is not only to find the best rates and programs, by searching through a huge number of lenders products, and save yourself thousands of dollars on mortgage payments every year, but also, to save time and hassle by simplifying the loan process and reducing the paperwork. Here are some things you can keep in mind when selecting a mortgage provider.

Real Estate Finance Strategy that Few People Consider


If you are considering a new home loan anytime soon, and you do not want to get an adjustable rate mortgage (remember, ARMs are very strong loans), you should consider a 2/1 buydown.This is a great mortgage program for people who require a smaller payment now, knowing that they will have more money in the following years.

Buying a Home? Dont Get Saddled with Two Mortgage Payments


I have a lot of friends and family who are currently buying houses. Many of them have had a problem with timing.

Sell Your Home and Invest at the Same Time


I continue to see the same For Sale signs in my neighborhood. The houses just aren't selling.

Foreclosure Scams To Be Aware Of


Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don't get me wrong, most lenders and agencies are reputable and legit.

For Mortgage-Refinance Help, Get the Best Mortgage Professional, Not a Bank Loan Officer


When you need a mortgage -- either because you are buying, refinancing, taking out equity or getting into investment real estate, you need a good mortgage professional. Now, you may be tempted to go to your local savings and loan, as they may promise lower fees or zero costs.

Some Mortgage Loans are Available with Absolutely no Money Needed From You


Today, FHA will loan up to 97 percent of the purchase price of a home, meaning a borrower only needs 3 percent. The three percent down payment can come in the form of a gift, and closing costs can be financed into the loan, making this a true no money out of pocket purchase transaction.

Mortgage-Refinance Loan Can Put Cash in Your Pocket


Do you need cash? Here's a mortgage for you. If you are not in a good position to take an equity line of credit on your home, because you have not built enough equity or a poor credit situation is making bankers steer clear of you, altogether, there is another option -- the cashout refinance.

Mortgage-Refinance Loan Measurment 101 -- Evaluate Your Own Ability to Pay


We live in a society where people are losing their homes at an alarmingly high rate. There are several reasons for this, but one could certainly be avoided -- buying a house that creates a loan that is too large for you to handle.

Mortgage-Refinance Treachery: Avoid Mortgage Bankers and Brokers Biggest Trick -- The Sales Pitch


What the average homeowner or home buyer fails to realize is that bankers, loan officers, mortgage brokers, or whatever your lenders call themselves, are salesmen. Certainly, if you purchased your home from a realtor and used her lender, you most likely got a feeling of trust in that person, because the realtor referred him.

What You Dont Know About The Real Estate Process, Some Inside Secrets


Some people in the real estate industry have a terrible reputation. Why, because they deserve it.

Need a Mortgage, Refinance or Equity Loan? Learn What it Takes, Before Applying


Do you know what it takes to qualify for mortgage and refinance loans? There are several factors involved with qualifying for a purchase, refinance or equity line of credit, and having an in-depth understanding of these could make the difference in you being accepted or turned down by a bank loan officer.Here are some things loan underwriters use in seeing if you qualify for a loan: your credit rating; your income; the amount you wish to borrow vs.

Tips For First Home Buyers On Getting Home Loans


Buying your first home will likely be the biggest and most important purchase you will ever make. It can be a very stressful and may even leave you sleepless for nights on end wondering whether you are making the right decision - especially where choosing the right home loan is concerned.

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


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 your refinance.


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 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.


Refinance mortgage rate ratchets higher for Friday  Bankrate.com

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


Mortgage rates plunge to their lowest level in three months  The Washington Post

The 30-year fixed-rate average fell to 4.63 percent, its lowest level since September.


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 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.


Refinance mortgage rate eases for Thursday  Bankrate.com

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


Refinance rates 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.


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 ...


Refinance rates dip for Wednesday  Bankrate.com

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


Mortgage applications rise 1.6% as interest rates drop to lowest level since September  CNBC

December may be a slow month traditionally for the housing market, but mortgage lenders are suddenly getting busier. A sharp drop in interest rates drove ...


5 Terrible Reasons to Refinance Your Mortgage  MoneyWise.com

Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or...


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.


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.


Residential Refinance Mortgage Originations Drop 21 Percent In Q3 2018  PRNewswire

IRVINE, Calif., Dec. 13, 2018 /PRNewswire/ -- ATTOM Data Solutions, curator of the nation's premier property database, today released its Q3 2018 U.S....


Rising Interest Rates And The Changing Mortgage Market  PYMNTS.com

Rising interest rates are taking their toll on new home mortgages, and also on the non-bank mortgage lenders that proliferated when rates were lower.


Refinance rates retreat for Tuesday  Bankrate.com

Multiple closely watched refinance rates ticked downward today. If you're in the market for a mortgage, see how your payments might be affected.


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.


Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise  The Wall Street Journal

Rising mortgage rates are crushing much of the refinancing market. But Americans are still using refis to pull cash out of their homes. More than 80% of ...


9 Housing and Mortgage Trends to Watch for in 2019  NerdWallet

It's going to be a challenging year for home buyers in 2019: They will continue to compete for a short supply of homes. Home prices and mortgage rates are ...


Expect More Mortgage Refinancing Come January, Says Local Mortgage Agent Mark Mitchell - Press Release  Digital Journal

With rising Home Prices London Ontario is expected to see a lot more mortgage refinancing in 2019. See your Local Mortgage Broker or Mortgage Agent to get ...


9 Nerdy Financial Resolutions for 2019  NerdWallet

Looking for inspiration to fuel your financial goals in the coming year? We share tips and tools we're using to turn resolutions into reality.


Mortgage rates move upward for Friday  Bankrate.com

Several benchmark mortgage rates advanced today. If you're in the market for a mortgage, see what that means for you.


How and when to refinance your mortgage  Your Money

Staying loyal to your lender is costing you thousands of dollars each year as banks refuse to reward loyal customers. How can you make refinancing easy?


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 ...


JACK GUTTENTAG: Purpose determines if refinance is correct answer  Sarasota Herald-Tribune

Should I refinance?This question was posed to me recently through Quora, the question and answer website. I did not answer it there because an adequate ...


Refinance originations dropped sharply in Q3 says ATTOM  Mortgage Professional America

Originations for residential refinance mortgages hit their lowest level since at least the start of this century in the third quarter. ATTOM Data Solutions says that ...


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 ...


Refinances Take a Turn  The MReport

After several months of decline, refinances faced a shift. Find out more in a report from the FHFA.


Mortgage Originations Down 21% for 3Q 2018 – Thousand Oaks Local News, Oxnard Local News, Simi Valley Local News, Ventura County Local News  The Voice La Voz California

(Irvine, Ca) U.S. Residential Property Mortgage Originations are down 15 percent from the previous quarter and down 21 percent from a year ago to the lowest ...


BCFP Files Proposed Stipulated Final Judgment with Nevada Mortgage Company Over Misrepresentations  JD Supra

On December 6, 2018, the Bureau of Consumer Financial Protection (“CFPB”) announced that two days earlier it had filed a complain?t and stipulated final ...


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…


Refinance rates drop off for Saturday  Bankrate.com

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


U.S. mortgage activity rises near two-month high: MBA  Reuters

(Reuters) - U.S. borrowers filed the most mortgage applications in nearly two months as 30-year home loan costs fell to their lowest levels since early October, ...


Improved affordability should boost housing in 2019: Fannie Mae  National Mortgage News

Fannie Mae made a slight increase to its origination forecast, expecting housing affordability to improve in 2019 as mortgage rates remain flat and home price ...


LendingTree launches new mortgage comparison report  Mortgage Professional America

Inaugural report combines mortgage offers spread, rates.


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 ...


Why Are Mortgage Applications Declining?  The MReport

What has led to a decline in mortgage loan applications? A New York Fed report examines the trend based on consumers' experiences and expectations.


Mortgage Refi's in U.S. Plummet 21 Percent, Lowest Levels in 18 Years  World Property Journal

681455 refinance mortgages in the U.S. secured by residential property (1 to 4 units) were originated in the third quarter, down 15 percent from the previous ...


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, ...


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.


Mortgage Maestro Group Conducts a Coat Drive with Fierce45  KITV Honolulu

The Denver mortgage company, Mortgage Maestro Group, has partnered with high-intensity Pilates studio Fierce45 to conduct a Coat Drive in Denver, Colorado ...


Here’s Why You Shouldn’t Let Rising Interest Rates Scare You from Buying a Home  Zing! Blog by Quicken Loans

Worried about rising mortgage interest rates? You're not alone. The days of paying 3% for a 30-year fixed-rate mortgage are long gone. Today, you're more ...


339,221 Shares in TFS Financial Co. (TFSL) Purchased by Maltese Capital Management LLC  Fairfield Current

Maltese Capital Management LLC bought a new stake in TFS Financial Co. (NASDAQ:TFSL) during the third quarter, according to the company in its most ...


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 ...


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 ...


U.S. mortgage rates fall to 3-month low mark  Dayton Business Journal

The 30-year fixed mortgage averaged 4.63 percent for the week ending Dec. 13, down from 4.75 percent the previous week.


Fannie Weighs in on Lender Sentiments  The MReport

Fannie Mae's latest Mortgage Lender Sentiment Survey expects 2018 to end up being a disappointing year for the housing and mortgage industry. However ...


Mortgage rates slide for Thursday  Bankrate.com

Several key mortgage rates dropped today. If you're shopping for a home loan, 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.


Risky Home Loans Are Making a Comeback. Are They Right for You?  The New York Times

Mortgage lenders are again promoting more complicated loans, which offer benefits for wealthy borrowers but come with big drawbacks.


Before you retire, pay off that debt  CNBC

How you manage debt could have a big impact on how your retirement dreams play out. Four in 10 retirees cite "paying off debt" as a current financial priority ...


[Updated] Reverse Mortgage Lending Limit To Rise in 2019  Reverse Mortgage Daily

The lending limit for federally-backed reverse mortgages is increasing for the third consecutive year in a row and is set to rise to $726525 in 2019.


Down payments reach 18-year high in third quarter  National Mortgage News

Intense competition among homebuyers remains as shown by the continual growth of median down payments, according to Attom Data Solutions.


Aldermore launches new lending tiers to support mortgage prisoners  Financial Reporter

Aldermore has launched two new lending tiers across its residential remortgage range to help support homeowners who are struggling to refinance.


3 Signs You Should Refinance Your Mortgage  The Motley Fool

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


Banks Buying Lenders and Other Banks, Report on Merger Activity; Capital Markets Update  Mortgage News Daily

“Rob, I'm no stranger to bribes.” (I am not going to say which mortgage banking production manager jokingly made that tongue-in-cheek statement.) We trust that ...


Important mortgage rate advances for Wednesday  Bankrate.com

Mortgage rates showed no clear direction today, but one key rate trended upward. The average for a 30-year fixed-rate mortgage trended upward, but the ...


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.


Beware of Deadlines  Jewish Link of New Jersey

This week's article is one that I am especially proud of. I write that opening sentence even before I have any other part of the article written as of yet. You see, the ...


Harm reduction worker injection case 'problematic': Cops  Edmonton Sun

It is hugely “problematic” that a harm reduction worker has been accused with administering a noxious substance to an at-risk person in their home as she slept, ...


Loan Limits Rise, Stock Market Falls – Market Update  Zing! Blog by Quicken Loans

Stocks fell, but so did mortgage rates. All that and more coming up in Market Update!


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.


Time to cover the new ‘Big Short’ on rising rates  Financial Times

One of the few bright spots in an otherwise dismal year for bondholders is fading fast.


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.


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 ...


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 ...


Helping Streamline Mortgage Originations  The MReport

CoreLogic's new solution is designed to improve efficiency when conducting property valuations during the mortgage loan origination process.


October Origination Insight Report From Ellie Mae Sees Closing Rates Rise to Highest Percentage in 2018  Business Wire

Closing rates for all loans increased to 72.2 percent in October, the highest point in 2018 according to the October Origination Insight Report from E.


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.


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.


Drivers injured as school bus, car collide near Renfrew  Edmonton Sun

The driver of a car was taken to the hospital with serious injuries after it collided with a school bus on Cobden Road near Renfrew Tuesday morning.


Housing project: LASG, stakeholders commend EchoStone  P.M. News

In order to bridge the huge housing deficient in Lagos State, a property development firm, EchoStone Nigeria Ltd on Tuesday, delivered its first set of houses ...


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.


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 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 advances for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. See what that means for your refinance chances.


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 ...


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.


Edmonton's Food Bank needs your help  Edmonton Sun

With a week until Christmas, officials at Edmonton's Food Bank said they're less than halfway to their food and monetary goals this holiday season.The food ...


Mortgage stress test stressing out Sask. homebuilders  Global News

WATCH: The Regina and Saskatoon Homebuilders Associations are seeing a decline in single-family homes being built, and link it to new federal mortgage ...


Refinance rates increase for Tuesday  Bankrate.com

Multiple benchmark refinance rates increased today. See what that means for you if you're in the market for a home loan.


Refinance 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.


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 ...


Checking on lunch kebabs: Has the home loan crackdown gone too far?  The Sydney Morning Herald

When Carla Jenkins recently sought to refinance a loan over a house she bought six years ago, she faced a very different vetting process from her bank.


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 rates tick lower for Thursday  Bankrate.com

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


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.


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 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.


When and How to Refinance a Personal Loan  Bankrate.com

If you're thinking about refinancing a personal loan, check these factors first.


Refinance rates slide for Wednesday  Bankrate.com

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


Refinance rates decline for Thursday  Bankrate.com

Multiple benchmark refinance rates receded today. See what that means for your chances of getting a better mortgage rate.


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 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 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 rise for Tuesday  Bankrate.com

Multiple key refinance rates moved higher today. If you're shopping for a home loan, see what that means for you.


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