Mortgage & Refinancing Information


Mortgage & Refinancing Information

Selling Your Business Note


Before I go further, let me ask a question- if you won the lottery tomorrow, would you take the payout in a lump sum or in monthly payments?Most people would take a lump sum because even though it might be less than the total prize, they would have control over a large sum of money now and could let the time value of money go to work and increase their winnings.So why then would you opt to get paid on your business sale over several years rather than take a lump sum payout?The answer is probably because you didn't know that you could get cash for your business note.

Are Biweekly Mortgages Really Worthwhile?


You may have heard people, especially mortgage lenders, extolling the virtues of biweekly payments, saying that you can save thousands of dollars and take 5-7 years off your mortgage--and then offering to set up a biweekly plan for you for as little as $400. But you don't have to spend $400 to begin saving money and time on your mortgage.

Bankers Dont Want You to Know That You Pay for Your No Cost Home Loan Forever


With mortgage rates continuing on a downward trend, the competition in the business is fierce. A day never passes that I don't hear some crazy advertisement about a new loan program that XYZ mortgage company has and no one else offers.

How Good a Deal Is Your Banks Mortgage Insurance Plan?


When you go to the bank to get a mortgage, you'll inevitably be asked to take out mortgage insurance. The idea behind mortgage insurance is simply that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank.

Total Cost Of Credit vs Monthly Payments


I read a press release the other day which points to the fact we need to be very careful with our finances. The subject of the release was home mortgages.

A New Choice for Home Financing: Correspondent Lenders


When you begin your search for a new home loan, one of the first things to consider is where you'll get the money. Your basic choices will be mortgage brokers and banks.

Housing Bill - Changes in the Right To Buy Scheme


Presently council tenants are able to purchase their rented property after 2 years of tenancy. However, this is about to change.

Understanding a UK Commercial Mortgage


In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose.

Understanding UK Bridging Finance


Bridging finance, also referred to as "bridge loans" and "bridging loans", have nothing at all to do with re-constructing the London Bridge. Bridging finance is typically a short-term loan that a business uses to supply cash for a real estate transaction until permanent financing can be arranged.

Free Home Equity Loan Information


Home equity loan information can sometimes be confusing and misleading. I have written this article to properly explain home equity loans.

Types of Home Equity Loans


There are at least two types of home equity loans.The first is a term or closed end loan and the second is basically a line of credit.

Reasons To Get A Home Equity Loan


Using a home equity loan really depends on what your needs, wants and desires are that prompt you to take the home equity loan in the first place.The most common reason people obtain the loan is for debt consolidation however other uses include home improvements, educational expenses, unexpected family emergencies, medical expenses and in some cases for big ticket purchases.

The Zero Down 80/20 Mortgage


This is an excellent loan for those that are lacking the down payment required for other types of mortgages.The 80 20 mortgage is simply two loans for 100% of the purchase price.

Mortgage Prepayment Penalties - Just Say No


One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for paying an additional amount of money, typically about six months interest on 80% of the mortgage balance.

Student Home Purchase Plan


Tuition costs are climbing, housing costs are climbing, it seems like all the costs for students are climbing these days. Students can afford cost increases less than any other demographic in Canada.

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MORE RESOURCES:

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.


Refinance mortgage rate trends higher for Thursday  Bankrate.com

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


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 ...


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.


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...


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 ...


The Best Reasons to Refinance Your Mortgage  MoneyWise.com

Just like your car, sometimes your mortgage is due for a trade-in. You might find a new model with improved options that will save you money or fit better wi...


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 ...


Mortgage apps increase amid rate declines  Mortgage Professional America

Mortgage applications rose during the week ending Dec. 7 amid an across-the-board decline in rates, according to the Weekly Mortgage Applications Survey ...


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for your refinance.


Refinance mortgage rate trends higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate ticked up. See what that means for your chances of getting a better mortgage rate.


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 ...


Refinance rates fall for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. If you're shopping for a home loan, see how your payments might be affected.


Refinance mortgage 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.


Wilshire Quinn Provides $950000 Cash-Out Refinance Loan in Sacramento, CA  Business Wire

Wilshire Quinn Capital, Inc. announced Friday that its private lending fund, the Wilshire Quinn Income Fund, has provided a $950000 cash-out refinanc.


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.


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.


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 ease for Friday  Bankrate.com

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


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 ...


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.


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, ...


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 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.


Federal Reserve: More homeowners are getting their refi applications rejected  HousingWire

Every few months The Federal Reserve Bank of New York's Center for Microeconomic Data releases a survey of consumer experiences when applying for credit ...


LendingTree launches new mortgage comparison report  Mortgage Professional America

Inaugural report combines mortgage offers spread, rates.


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.


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 rates slide for Friday  Bankrate.com

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


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.


Mortgage Applications Dropped by Rising Rates and Stock Declines  ETF Trends

The Mortgage Bankers Association reported that mortgage applications fell last week--dropped by a one-two combination of rising rates and stock declines.


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

Interest rates have started to rise, and the housing market is cooling off, a combination that is putting a squeeze on mortgage lenders. Now, some of them are ...


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.


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.


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 ...


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.


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 ...


The troubling reason grandparents should think twice about spoiling their grandkids this holiday season  MarketWatch

Grandma and grandpa may love to spoil the grandkids every Christmas, but they might want to hold off on spending too much on presents this holiday season.


One Last Chance to Save Your House - The Rhino Times of Greensboro  The Rhino TImes

If you lose your house to foreclosure, you don't necessarily have to lose all hope.


Sweat Equity Mortgage: 5 Ways to Market to Borrowers Seeking Home Renovation Loans  Digital Media Solutions

Exclusive to rural-area borrowers, Freddie Mac now allows borrowers to apply the value of sweat equity to account for 100% of their down payments.


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.


3 Signs You Should Refinance Your Mortgage  The Motley Fool

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


Refinance mortgage rates mixed for Friday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rates mixed for Tuesday  Bankrate.com

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


Credible Expands Their Marketplace Into Mortgage Refinancing  Lend Academy

Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


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 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 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 ...


Compliance and Documentation Products; Loan Limit Changes in the Primary Markets  Mortgage News Daily

Lots of folks in the mortgage biz like statistics and odds. They may not remember them, but they like them. (As Marcus L. writes, “People still play the lottery even ...


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 ...


Refinancing activity in the US just plunged to the lowest level in over a decade  Business Insider

Refinancing activity plunged to the lowest level since 2000 as interest rates rise.


Refinance mortgage rates mixed for Wednesday  Bankrate.com

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


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 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.


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 ...


Housing: The new recession-proof investment?  Fox Business

Investors have become increasingly concerned about the prospects of another recession, as stocks enter correction territory and the yield curve flattens.


Uhuru Kenyatta outlines ‘Big Four’ progress  Daily Nation

President Uhuru Kenyatta on Wednesday outlined the progress made so far in his Big Four agenda for economic growth, which he unveiled a year ago.


Should I pay my mortgage with a credit card?  Bankrate.com

Many of us put the majority of our expenses on credit cards, racking up rewards before paying off our balances.


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.


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 ...


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.


Refinance mortgage rate slides for Thursday  Bankrate.com

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


Refinance mortgage rate advances for Thursday  Bankrate.com

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


Refinance rates drop off for Thursday  Bankrate.com

Multiple key refinance rates receded today. If you haven't locked a refinance yet, see how your finances could be affected.


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 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 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 tick lower for Thursday  Bankrate.com

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


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 ...


US fund Pimco to be main investor in PTSB’s problem mortgages  The Irish Times

Bank to sell bonds backed by income from portfolio of NPLs to shift them off books.


Refinance rates move up for Saturday  Bankrate.com

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


Credible Brings the Power of Its Marketplace to Mortgages  Credible News

We set the standard for transparency in the student loan industry. Now we're out to do the same for mortgages.


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.


When and How to Refinance a Personal Loan  Bankrate.com

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


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 drops for Friday  Bankrate.com

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


Refinance rates increase for Tuesday  Bankrate.com

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


Refinance 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.


Refinance mortgage share falls back to 2018 low  National Mortgage News

As mortgage rates recently hit their highest point in seven years, closed refinances fell back to their low point of 2018, according to Ellie Mae.


Potential refi market falls 40% as mortgage rates keep rising  National Mortgage News

The spike in 30-year fixed interest rates, at a time of continuously rising home prices, has pushed home affordability to its lowest level since 2009, and cut ...


Mortgage rates ease for second consecutive week, third time since January  The Washington Post

Mortgages rates dropped for the second week in a row and just the third time this year. According to data released Thursday by Freddie Mac, the 30-year ...


Why it may be unwise to refinance a low home mortgage balance  The Washington Post

Q: Is it wise to refinance my mortgage if it has a balance of just $26,000? The loan was for 30 years at a fixed interest rate of 7.5 percent. I purchased the home ...


Mortgage refinance share jumps 5% despite rising interest rates  HousingWire

The refinance share of mortgage activity increased a full 5% from December to January, rising to 45% of all closed loans, according to the latest Origination ...


This is what the housing market could look like in 2019  HousingWire

In 2018, the housing market experienced its fair share of up and downs, attributed to many factors, including affordability and inventory concerns. But as the year ...


Refinance rates move higher for Tuesday  Bankrate.com

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


What It Takes to Refinance a Jumbo Loan  NerdWallet

Refinancing a jumbo loan, a mortgage over $484350, in most cases, and up to $726525 and even higher in some high-cost areas, can result in big savings and ...


Refinance rates 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.


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 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 advance for Thursday  Bankrate.com

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


5 Tips for Finding the Best Refinance Mortgage Lenders  NerdWallet

Finding the best mortgage refinance lender for your situation requires knowing your credit score, shopping more than one lender, negotiating lender fees, ...


Goodbye refi: Rising interest rates all but erase refinance demand  HousingWire

While mortgage interest rates dipped ever so slightly in the last week, they've been trending up for the majority of this year. In fact, the interest rate on a 30-year, ...


Mortgage refinances fall to decade low  CNBC

Interest rates for home loans have risen each week this year, so each week homeowners have had less incentive refinance their mortgages. Another drop in ...


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 rise for Wednesday  Bankrate.com

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


Existing and interest-only mortgage borrowers gouged by big banks, says ACCC  ABC News

Existing interest-only borrowers subsidised the big banks' revenue to the tune of more than a billion dollars over the past year after they were hit with a ...


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