Yes, you can refinance your mortgage and consolidate credit card debt through a cash-out refinance. This method allows you to replace your existing mortgage with a new one that has a higher loan amount, using the extra funds to pay off high-interest credit card debt. The RefiGuide published this article to consider how to do… Read More »
Homeowners love the HELOC because it is a flexible loan that allows homeowners to borrow against the equity they’ve built in their property. One key aspect of a HELOC that borrowers need to understand is how interest is calculated, as this impacts both the cost of borrowing and repayment plans. But what makes HELOC interest… Read More »
Can you negotiate closing costs? Refinancing a home loan can save you big every month, but watch out for some of the costly fees that come with that lower interest rate. The less you pay for refinance closing costs and lending fees, the more money you will have saved for other important things. The RefiGuide… Read More »
The incentives for first time home buyer programs have never been better for people seeking great loans and down-payment assistance. Becoming a homeowner is quintessential part of the ‘American dream’, so obtaining the right mortgage is a critical step in the first time home buyer process. It’s no secret that the U.S. housing market has… Read More »
Mortgage refinancing with no closing costs means you can refinance your home loan without paying the usual upfront fees at the closing table. Instead of shelling out thousands of dollars for appraisal, origination, title, and other costs, the lender covers those expenses often by slightly adjusting the loan terms. Times have changes and the no… Read More »
In 2025, a stated income Home Equity Line of Credit offers homeowners a flexible way to leverage their home’s equity without the burden of traditional income verification. This financing option is particularly appealing for self-employed individuals, retirees, or those with non-traditional income sources. Let’s consider the key highlights of stated income HELOCs, their credit score… Read More »
Non-Qualified Mortgage often called Non QM loans have emerged as a vital financing option for borrowers who do not meet the stringent requirements of traditional Qualified Mortgage loans. Non QM loans were introduced after the 2008 financial crisis under the Dodd-Frank Act, QM loans adhere to strict guidelines set by the Consumer Financial Protection Bureau… Read More »
Accessing your home’s equity is often seen as a fundamental right for U.S. homeowners. But is it possible to take out a HELOC with bad credit? Traditional banks and lenders typically emphasize credit scores during the approval process. In today’s intricate housing market, can may still qualify for a HELOC with a low credit score.… Read More »
Several niche lenders recently announced the Home Equity Line of Credit is now available as a fixed rate HELOC loan with competitive interest rates. The HELOC fixed interest rate option locks in the rates for a specific term. While most traditional home equity line of credit have variable rates, there are a few trusted lenders… Read More »
2025 presents a promising opportunity for first time homebuyers in Minnesota, especially those who are prepared. The RefiGuide offers strategic mortgage advice and connect Minnesota first time buyers with competitive lenders online. The housing market is showing signs of moderation after years of rapid price growth. Home prices in Minnesota have continued to rise, but… Read More »
The information contained on RefiGuide.org website is for informational purposes only and is not an advertisement for products. RefiGuide.org is a website that provides information about mortgages and we do not directly offer mortgages, accept applications or approve loans but we work with partners who do. This service is completely free and there is no obligation when you receive quotes from any of the mortgage companies.
Copyright © 2025, Refiguide.org. All Rights Reserved. - 4809 Clairemont Dr #C San Diego CA 92117 - 760-473-8120