Adjustable rate mortgages (ARMs) can save the homeowner a lot of money in certain circumstances. If you have held an ARM in the past several years, it probably did make your interest rate and payment lower. But how about in 2018 and beyond? Rates are generally on the rise, with 30-year fixed rate mortgages in… Read More »
Home buyers and sellers do not have as much reason in September 2018 to get in touch with the mortgage lender these days. Mortgage interest rates are near recent highs in the 4.7% range for a 30-year, fixed rate mortgage. Refinance rates have been showing signs of rising again and home affordability is not what… Read More »
The cost to refinance your mortgage can vary due to many factors, such as the lender, loan amount, credit score and interest rate. Homeowners who shop around and try different lenders may be able to lower their mortgage refinance closing costs and fees. The closing costs of your refinance will usually include appraisal fees, credit… Read More »
With home prices soaring and people having more equity in their homes, it is not surprising that they want to refinance. Whether they want to pay off debt or do home renovations, a refinance into a lower rate and taking out cash can be a good way to do many things that cost a lot… Read More »
Most of us want to get a mortgage at the lowest possible interest rate and will make home buying decisions based upon getting a rate as low as possible. But as most of us know, mortgage interest rates go up and down, and there can be times when we want to refinance and possibly pull… Read More »
People who own their home frequently are watching mortgage rates to determine if now is a good time to refinance their home loan. Whenever you refinance, you always are taking a bit of a gamble because it is hard to say what rates will be tomorrow, let alone next month or next year. When considering… Read More »
In 2018, interest rates for refinancing have moved considerably higher, with conventional 30-year mortgage rates in the 4.5% and 4.6% range. There is a chance rates could edge close to 5% this year. If you are considering a refinance mortgage because you want to secure a low interest rate, you may want to get rolling… Read More »
We have noticed this year that as the Federal Reserve raises key interest rates that we see more mortgage companies advertising refinancing with Low ARM rates. While adjustable rate mortgages are not for everyone, they do have a niche in the mortgage market as many homeowners can find real monthly saving when converting to a… Read More »
Yes, interest rates have ticked up, but there may be home refinancing opportunities that offer lower rates, reduced monthly payments and the elimination of being required to pay mortgage insurance every month. Home mortgage refinance rates are still very low, although they have edged higher in the past year. It still is a good time… Read More »
It is 2019, and if you are thinking about buying a home or refinancing, the news is like a year ago. Rates continue to stay low, but they are expected to rise. Experts were saying the same a year ago, but we think it is even more likely this year for rates to go up.… Read More »
The HARP refinance program was going to expire on September 30th. The Federal Housing Finance Agency announced recently that it would extend the Home Affordable Refinance Program or HARP 3.0 through the end of last year. This is good news for people who are struggling with their mortgage and who owe more on their home… Read More »
Many Americans today are considering a mortgage refinance as interest rates continue to be very low. Rates did edge up in 2017 before dropping again, so the buzz for home refinancing has re-surged. In August, 30-year fixed FHA loans were available for well under 4%, According to Freddie Mac’s weekly survey. With such low interest… Read More »
One of the biggest blessing for homeowners is when they can find a mortgage refinance without an appraisal being required. Yes, it not available to everyone in every situation, but it is possible to refinance with no appraisal in 2019 if you know where to look. Getting an appraisal when you refinance your mortgage is… Read More »
Even though mortgage interest rates have started to edge up, home buyers and existing homeowners considering a home refinance loan with good credit can still get a competitive interest rate in today’s market. But there are still many home refinancing options out there to consider before signing a new contract. Which Home Refinance Program Is… Read More »
How to Refinance a Mortgage with No Equity Required Using a 100% Loan For many years, homeowners have been searching for 100% mortgage solutions. You can reduce the monthly payment on your mortgage if you can refinance your loan into a lower interest rate. However, most lenders will require you to have 20% equity at… Read More »
So you want to refinance your mortgage to save money on that monthly payment. Great! Now you just need to figure out which mortgage refinance product to use. There are plenty of choices out there. Which is the best? It will depend upon many factors, but we can provide some helpful tips to point you… Read More »
Mortgage interest rates have generally been on the decline over the last few years, although we have seen a bit of an increase since Donald Trump was elected as the next president. Still, interest rates are hovering around 4%, and this makes it a tempting time for refinancing. And for people who have a USDA… Read More »
For people who are lucky enough to have a second home, you will always have some unique challenges. One of the issues that can come up at some point is refinancing the second house. If you are seeking to refinance a vacation home that you occupy, then you will likely receive a competitive second home mortgage… Read More »
Refinancing your mortgage is usually a great way to save money on your bills every month. And these days, mortgage rates are still in the area of 4%, so many people find that they can lower their mortgage payment by refinancing. Over the last thirty years, the rate and term refinance has been the most… Read More »
Are you thinking of refinancing your home mortgage? Depending upon your current interest rate on your mortgage, and the rates in the market, this can make a great deal of sense. If you can get a mortgage interest rate that is ½ point to a full point lower than you have right now, you may… Read More »
What are the challenges finding a mortgage refinance for a manufacture and modular home loan? If you want to live in a home of your own, one of the most affordable ways to do it is to buy a modular or manufactured home. These homes are less expensive than a site-built home, and some of… Read More »
Many Americans today are looking for no cost refinance mortgages to take full advantage of super low interest rates. You can now refinance in the 4% range, as of 2018 without mortgage refinance closing costs. If you paid a much higher interest rate a decade ago, you could easily save hundreds or thousands per year in… Read More »
by Tom Murphy Home Services Lending Just like any mortgage, a VA mortgage (backed by the US Veterans Affairs Administration) can be refinanced. Refinancing a VA loan tends to be easier because VA loans are considered a benefit of your military service, and are easier to qualify for than conventional loans. Even if you have… Read More »
If you hold an FHA mortgage now, you have the option of refinancing with the FHA Streamline Refinance program. This popular refinance program can make a lot of sense in certain situations, especially for those who are locked into an interest rate that is considerably higher than current rates. Many homeowners that have an existing… Read More »
You may have heard about HARP – the Home Affordable Refinance Program. It was launched in March 2009 and could be just what you need to get your financial life back on track. The HARP refinance plan was created in an effort to stem the foreclosure crisis that erupted nearly a decade ago. Home Affordable… Read More »
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