Dive into our comprehensive collection of articles that cover a wide range of subjects. Whether you’re a novice or an expert, there’s something new to learn.
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 »
In 2025, with median home prices at $412,300 (National Association of Realtors) and 30-year mortgage rates at 6.8% (Bankrate), first-time home buyers face steep challenges. President Trump’s 2025 housing initiatives aim to ease these barriers through tax incentives, deregulation, and federal land development. The RefiGuide continues to explore these 1st time home programs, their eligibility,… 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, many first-time house buyers have limited resources. One proven financial tool that is the Mortgage Interest Credit, often referred to as the Mortgage Credit Certificate (MCC) program. This federal tax credit, administered through state or local housing finance agencies (HFAs), provides eligible homeowners with a direct reduction in their federal income tax liability… Read More »
With the popularity of crypto currency surging like the upward trend of mortgage rates, Americans want to know if they can buy a home and get qualified for a mortgage using crypto currency in today’s marketplace. The RefiGuide published this article to outline the steps to find crypto mortgage lenders, lists the mortgage companies accepting… Read More »
Consider taking out a second mortgage for debt consolidation, if you are carrying high interest debt on credit cards or on other high interest rate lines of credit. A second mortgage is an excellent way to consolidate debt and it’s secured on your home in addition to your first mortgage. The RefiGuide suggests using a… Read More »
Mortgage interest rates in 2024 are still elevated, with the typical 30-year loan coming in at 6% or 7% in most cases. There are few signs that interest rates will drop in the near future, after the Federal Reserve decided to keep rates the same until inflation drops more. Higher interest rates have put a… Read More »
People who have never bought a home before might think that once they have been pre-qualified for a mortgage, they may be good to go. Not the case. There is a difference between mortgage pre-qualification and mortgage pre-approval. There is a right way and wrong way to apply for a first time home buyer loan… Read More »
Here is a prediction; Buying a home near the BSR wave pool in Waco, Texas is a great investment if you are doing a VRBO and marketing to surfers. Believe it or not, surfers from all over the planet are traveling to Waco Texas because of this amazing wave pool attraction. Surfers of all levels… Read More »
Credit card refinancing is a financial strategy aimed at managing or reducing high-interest credit card debt by replacing it with a more favorable financing option. This approach typically involves consolidating credit card balances into a single loan or transferring balances to a card with a lower interest rate. With credit card interest rates often exceeding… Read More »
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