It’s a creepy thought. Over the nest 40 years, the proportion of Australia’s population aged 65 years and over will almost multiply. With continual expansion in the cost of healthcare and actual living expenses, and a decreased ability to rely on government assitance, many Baby Boomers are dreading a need to make important downgrades in their lifestyles to fund retirement.
The popularity of reverse mortgages is set to rise, as our population ages. An obstacle to the take up of reverse mortgages is a strong mentality among retirees to want to leave as much as possible to their children.
The downside? The interest on the financial loan can be up to 1 to 2 percent higher than ordinary home debt rates and is gradually added on to the loan over time. But the suitable news is that the financial debt doesn't have to be paid back until the real estate is sold. In most cases, however, kids of retirees would rather see their mum and dad tap into their assets to maintain a high principle of living and general satisfaction than leave a significant fortune to them.
To take some of the pressure level off ageing shoulders, economic institutions are continually exploring products specifically tailored to help retirees. Meet the Reverse Mortgage.
So how does it work? Just as the name says, a reverse mortgage works similarly to a standard mortgage, only it’s the lender who pays the homeowner instead of the other way around. The bank or lender will lend a percentage (somewhere between 30 and 50 percent depending on the retiree’s age) of the expense of retiree’s home as a lump sum, or regular revenues to supplement savings or a pension.
Also known as ‘Spending the Kids Inheritance’ or ‘SKI-ing’, reverse mortgages enable retiring homeowners to release equity in their homes to fund a model of living that would be otherwise out of reach. Using a reverse mortgage is the best solution for retirees to strike into their homes, usually one of their biggest assets, for cash.
"When you work all of your life, you get to retirement and you want to savour what time you've got left," one retiree said.
So whether you dream of a new car, a ship, home renovations or a cruise around the world, find out from your lender if a reverse mortgage could be the ideal solution for you.
http://www.articleson.com/Article/Reverse-Mortgages-Enable-Retiring-Homeowners/29160
Friday, November 16, 2007
Find How You Can Reduce The Amount You're Paying Each Month In 1 Simple Way
Remember that when you remortgage, you're not purchasing a new home. Instead, it’s just about switching your credit to a different mortgage owner, in order to lower the amount your monthly outgoings.
If you have a bank loan, then there’s a good chance you’ll also have an eye on opportunities to reduce the amount you’re giving each month – and if that’s the case, a remortgage may well be a sensible decision.
In short a remortgage is about saving riches, and is of special importance if the rate of your home has came up to.
For instance, your existing lender will want to try to make sure you stay with them or - if you part - that they squeeze a bit more assets out of you. Typical consequences are charging a percentage of what's still owed on your debt if you go to a new financier with a better relevance rate. This will be looked into for you and taken into account when all your alternatives are considered and offered.
Because organising a remortgage can be tricky to inquiry, it’s wise to turn to a team of masters – the best of which will have left no stone unturned in their bid to take the anxiety for you.
Others may make up for their ‘loss leader’ rate by trying to tie you. Tactics to accomplish this can take in making you pay a economic fine if you successively go to an alternative creditor.
As well as making sure you learn about the very best remortgage duties, they will look at your existing loan and make sure the opportunities presented to you take into account any present challenges which may relate to changing investor.
And there are those who may try to make it compulsory that you buy other bundled products from them at the same time as you take out your remortgage. Typically, they’ll try to make such bundling a state of your taking their cut-amount significance rate.
Also, some remortgage lenders will try to attract you with great cut-worth importance rates – you may read or hear of this being mentioned to as the ‘important benefit rate’.
Among the most commonly bundled goods are insurance policies.
http://www.articleson.com/Article/Find-How-You-Can-Reduce-The-Amount-You-re-Paying-Each-Month-In-1-Simple-Way/28740
If you have a bank loan, then there’s a good chance you’ll also have an eye on opportunities to reduce the amount you’re giving each month – and if that’s the case, a remortgage may well be a sensible decision.
In short a remortgage is about saving riches, and is of special importance if the rate of your home has came up to.
For instance, your existing lender will want to try to make sure you stay with them or - if you part - that they squeeze a bit more assets out of you. Typical consequences are charging a percentage of what's still owed on your debt if you go to a new financier with a better relevance rate. This will be looked into for you and taken into account when all your alternatives are considered and offered.
Because organising a remortgage can be tricky to inquiry, it’s wise to turn to a team of masters – the best of which will have left no stone unturned in their bid to take the anxiety for you.
Others may make up for their ‘loss leader’ rate by trying to tie you. Tactics to accomplish this can take in making you pay a economic fine if you successively go to an alternative creditor.
As well as making sure you learn about the very best remortgage duties, they will look at your existing loan and make sure the opportunities presented to you take into account any present challenges which may relate to changing investor.
And there are those who may try to make it compulsory that you buy other bundled products from them at the same time as you take out your remortgage. Typically, they’ll try to make such bundling a state of your taking their cut-amount significance rate.
Also, some remortgage lenders will try to attract you with great cut-worth importance rates – you may read or hear of this being mentioned to as the ‘important benefit rate’.
Among the most commonly bundled goods are insurance policies.
http://www.articleson.com/Article/Find-How-You-Can-Reduce-The-Amount-You-re-Paying-Each-Month-In-1-Simple-Way/28740
Let the Mortgage Companies Fight for Your Business
The mortgage industry is a highly competitive one, so it is considered wise to shop around for the best deal and let the mortgage companies fight for your business.
The mortgage industry exceeds far beyond that of the banks you see on every street corner as you head into town.
Besides the banks there are the wholesale and retail lenders. Most wholesale lenders encourage the help of mortgage brokers to bring them potential borrowers.
Most mortgage brokers on average deal with more than two hundred wholesale lenders alone. These wholesale lenders are a very diverse group, and their programs and specialties vary from lender to lender.
So if you are considering purchasing a home or refinancing your existing mortgage, don't be afraid to shop around for the best deal.
It is important to remember that when you are shopping around for a mortgage, nothing is final until you sign on the dotted line at closing.
So don't be shy when it comes to shopping a few mortgage companies. Remember that they are very competitive and hungry for your business. So allow them to assess your situation, and whichever lender comes back with the best offer to fit your needs and budget should be the lender for you.
When shopping around for a mortgage product, don't feel the need to keep this a secret. By letting a loan officer know your intentions, you will most likely send them the message that you don't have time for games and that it will be in their best interest to make you their best possible offer.
http://www.articlegeek.com/finance/mortgage_refinancing_articles/mortgage_companies_fight_business.htm
The mortgage industry exceeds far beyond that of the banks you see on every street corner as you head into town.
Besides the banks there are the wholesale and retail lenders. Most wholesale lenders encourage the help of mortgage brokers to bring them potential borrowers.
Most mortgage brokers on average deal with more than two hundred wholesale lenders alone. These wholesale lenders are a very diverse group, and their programs and specialties vary from lender to lender.
So if you are considering purchasing a home or refinancing your existing mortgage, don't be afraid to shop around for the best deal.
It is important to remember that when you are shopping around for a mortgage, nothing is final until you sign on the dotted line at closing.
So don't be shy when it comes to shopping a few mortgage companies. Remember that they are very competitive and hungry for your business. So allow them to assess your situation, and whichever lender comes back with the best offer to fit your needs and budget should be the lender for you.
When shopping around for a mortgage product, don't feel the need to keep this a secret. By letting a loan officer know your intentions, you will most likely send them the message that you don't have time for games and that it will be in their best interest to make you their best possible offer.
http://www.articlegeek.com/finance/mortgage_refinancing_articles/mortgage_companies_fight_business.htm
Shop Around for the Best Mortgage Interest Rate
Shop Around for the Best Mortgage Interest Rate
If you are currently on the market for a new home, or you are looking to refinance your current mortgage, one of the most important things to you when shopping around for a home loan will be the mortgage interest rate.
Of course you will want your mortgage interest rate to be as low as possible, so take some time to shop around for the best deal.
Shopping around for the best mortgage interest rate is very important because you want to go with the best deal possible. Don't just settle for the first lender you come across and go with whatever rate they may offer you.
By shopping around you can compare rates and products. The difference in one percentage point on an interest rate can mean thousands of dollars in savings over the course of a thirty-year mortgage.
Think of shopping around for a mortgage the same as shopping around for a new car.
When you are on the market for a new car, you visit two or three car dealerships, you speak with a few different sales people, you test drive a few different cars, than make your decision on the best car at the best price.
Treat the concept of shopping for a mortgage the same as you would if you were shopping for a car.
The mortgage industry is a very competitive one, and the mortgage companies are all too happy to compete for your business. The last thing a mortgage company wants is for you to give your business to their competition.
When shopping around, let the mortgage brokers or loan officers you are dealing with know that you are shopping around. By supplying them with this knowledge, they will understand the importance of coming back at you with the best deal they have to offer to make sure they secure your business.
Once you have a handful of loan officers make you their best offer, give your consideration to the one with the best rate and to the scenario that sounds the most reasonable.
Remember, once an offer is made to you, ask to see all of the particulars in writing. A verbal offer may sound great to you, but without the paperwork to back it up, it is worthless
http://www.articlegeek.com/finance/mortgage_refinancing_articles/shop_mortgage_interest_rate.htm
If you are currently on the market for a new home, or you are looking to refinance your current mortgage, one of the most important things to you when shopping around for a home loan will be the mortgage interest rate.
Of course you will want your mortgage interest rate to be as low as possible, so take some time to shop around for the best deal.
Shopping around for the best mortgage interest rate is very important because you want to go with the best deal possible. Don't just settle for the first lender you come across and go with whatever rate they may offer you.
By shopping around you can compare rates and products. The difference in one percentage point on an interest rate can mean thousands of dollars in savings over the course of a thirty-year mortgage.
Think of shopping around for a mortgage the same as shopping around for a new car.
When you are on the market for a new car, you visit two or three car dealerships, you speak with a few different sales people, you test drive a few different cars, than make your decision on the best car at the best price.
Treat the concept of shopping for a mortgage the same as you would if you were shopping for a car.
The mortgage industry is a very competitive one, and the mortgage companies are all too happy to compete for your business. The last thing a mortgage company wants is for you to give your business to their competition.
When shopping around, let the mortgage brokers or loan officers you are dealing with know that you are shopping around. By supplying them with this knowledge, they will understand the importance of coming back at you with the best deal they have to offer to make sure they secure your business.
Once you have a handful of loan officers make you their best offer, give your consideration to the one with the best rate and to the scenario that sounds the most reasonable.
Remember, once an offer is made to you, ask to see all of the particulars in writing. A verbal offer may sound great to you, but without the paperwork to back it up, it is worthless
http://www.articlegeek.com/finance/mortgage_refinancing_articles/shop_mortgage_interest_rate.htm
Understand Credit Report's Relevance In Mortgage
One might be wondering why some lenders turn down a mortgage application while some others might consider it fit for approval. The answer may well lie in the credit report and the credit score to be precise which plays a crucial role in loan sanctioning.
Credit history is an important factor affecting loan granting decisions by the lender or mortgagee. As part of the pre-approval process a detailed investigation is carried out into your financial history whereby the lender assesses your finances, your credit history and your investments. Your debt ratios are compared with the lender's standard while deciding on the loan approval. Your level of debt or credit history is taken as a parameter for judging your ability to make the monthly repayments. The credit history as represented by your credit report plays a very crucial role since some lending institutions may even turn you down because of incompatibility with their lending standards. Too much debt and poor credit rating is a common reason cited for turning down a mortgage application.
At times your application may not be rejected altogether but you may have to settle for a loan amount lower than what you desired or expected. The other terms and conditions of the loan might also not have proved worthwhile for you. All these could have been avoided had you been a little more careful and vigilant while placing your documents about your personal finances as reflected by records of your earnings, monthly expenses and debts. Among these documents the credit report is of prime importance which reveals your credit score.
While considering your application the lender will also get to analyze your credit report. This provides all details about your financial history, payment records, total debts and bankruptcies (if any). This information is used to work out your credit score or FICO score (a rating of Fair Isaac and Company). This is a composite number-a numerical rating of your credit worthiness. These scores may range from 300-900. However, most people's score fall between 600 and 700. Higher credit scores make you more appealing to the lender. Thus, you will be more likely to be offered better rates and loan terms.
A number of factors can affect the credit score. They can be broadly classified as:
a) The length of time you have had credit, outstanding credit, methods to repay this and how close you are to your credit limits.
b) Problems with credit which you may be having like late payments and bankruptcies. The number and frequencies of your delinquencies is to be considered.
It may be noted that almost 80% of credit reports contain errors. Getting for yourself a copy of the report beforehand will enable you to take steps for improving your score.You will be availed of the opportunity to review the report and rectify the score to quite an extent.
Some steps which can be taken in this regard are:
a) Finding out credit cards which are not needed anymore and closing the corresponding credit accounts.
b) Settling outstanding accounts, if any.
c) Paying out your bills, debt payments on time and in full and reduce your outstanding credit.
d) Verifying all listed account numbers and getting assured that they are yours.
It may be noted that minor credit problems or problems cropping up due to illnesses or temporary loss of income due to some unpredictable occurrence will restrict your chances of getting the aspired loan only from some high-cost lenders. Other lenders will hopefully be considerate enough to overlook such minor problems.
In spite of the best efforts there may still be certain negative indications in the report which could not be done away with. In such case you need to explain the situation to the lender. If at all it cannot be explained then, perhaps, you have to make greater down payments.
Getting to know how credit record affects loan prospects, proceed towards making improvements in your credit report.Your loan prospects will improve, no doubt. It will take you a long way towards securing your desired mortgage loan.
http://www.articlegeek.com/finance/mortgage_refinancing_articles/credit_report_relevance_mortgage.htm
Credit history is an important factor affecting loan granting decisions by the lender or mortgagee. As part of the pre-approval process a detailed investigation is carried out into your financial history whereby the lender assesses your finances, your credit history and your investments. Your debt ratios are compared with the lender's standard while deciding on the loan approval. Your level of debt or credit history is taken as a parameter for judging your ability to make the monthly repayments. The credit history as represented by your credit report plays a very crucial role since some lending institutions may even turn you down because of incompatibility with their lending standards. Too much debt and poor credit rating is a common reason cited for turning down a mortgage application.
At times your application may not be rejected altogether but you may have to settle for a loan amount lower than what you desired or expected. The other terms and conditions of the loan might also not have proved worthwhile for you. All these could have been avoided had you been a little more careful and vigilant while placing your documents about your personal finances as reflected by records of your earnings, monthly expenses and debts. Among these documents the credit report is of prime importance which reveals your credit score.
While considering your application the lender will also get to analyze your credit report. This provides all details about your financial history, payment records, total debts and bankruptcies (if any). This information is used to work out your credit score or FICO score (a rating of Fair Isaac and Company). This is a composite number-a numerical rating of your credit worthiness. These scores may range from 300-900. However, most people's score fall between 600 and 700. Higher credit scores make you more appealing to the lender. Thus, you will be more likely to be offered better rates and loan terms.
A number of factors can affect the credit score. They can be broadly classified as:
a) The length of time you have had credit, outstanding credit, methods to repay this and how close you are to your credit limits.
b) Problems with credit which you may be having like late payments and bankruptcies. The number and frequencies of your delinquencies is to be considered.
It may be noted that almost 80% of credit reports contain errors. Getting for yourself a copy of the report beforehand will enable you to take steps for improving your score.You will be availed of the opportunity to review the report and rectify the score to quite an extent.
Some steps which can be taken in this regard are:
a) Finding out credit cards which are not needed anymore and closing the corresponding credit accounts.
b) Settling outstanding accounts, if any.
c) Paying out your bills, debt payments on time and in full and reduce your outstanding credit.
d) Verifying all listed account numbers and getting assured that they are yours.
It may be noted that minor credit problems or problems cropping up due to illnesses or temporary loss of income due to some unpredictable occurrence will restrict your chances of getting the aspired loan only from some high-cost lenders. Other lenders will hopefully be considerate enough to overlook such minor problems.
In spite of the best efforts there may still be certain negative indications in the report which could not be done away with. In such case you need to explain the situation to the lender. If at all it cannot be explained then, perhaps, you have to make greater down payments.
Getting to know how credit record affects loan prospects, proceed towards making improvements in your credit report.Your loan prospects will improve, no doubt. It will take you a long way towards securing your desired mortgage loan.
http://www.articlegeek.com/finance/mortgage_refinancing_articles/credit_report_relevance_mortgage.htm
Thursday, November 15, 2007
What should be an austrian if a mortgage loan rate refinance
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http://www.wildscorpy.com/home/mortgage-loan-rate-refinance/
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Wednesday, November 14, 2007
How Good a Deal Is Your Bank's 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. Most financial institutions act like they are doing you a favor by offering you mortgage insurance through their own group plan, but are they?
The truth is that you could probably get a much better deal and at least an equal amount of protection by shopping around for your own insurance policy.
Essentially, mortgage insurance is no different than term-life insurance. With both, your policy only lasts for a specified period of time and pays its benefits if something happens to you or your spouse. The real difference comes down to how much control you'll have over your policy and how much you'll pay for it.
If you choose to use the mortgage insurance offered by the bank, you will not be able to customize a policy to fit your needs and you'll be lumped together with other borrowers under a group plan. Because of this, you will only have limited control over your policy. For example, through a third party provider, you would be able to choose your own beneficiary, decide how to spend the proceeds if necessary, and cancel the policy at any time. You would not have these options with a lending institution.
Additionally, the bank maintains the right to not renew your policy and to cancel the policy when you sell the house. If you find your own insurance provider, you can make those decisions yourself.
The other big difference is cost. A third party insurance policy's premiums will not go up, so you would pay the same premium today that you'd pay ten years from now. You won't get that same guarantee from a bank which can and probably will increase your premiums during the life of the policy. In most cases, you'll probably pay more through a bank anyway. In fact, you could pay as much as 40% more than you would if you shopped around and found your own insurance provider. Not to mention that the policy you take out through your bank will gradually decrease in value while a plan you select from an outside source will be worth the same amount during the entire policy period.
Of course, many people don't mind paying more for their mortgage insurance because it's more convenient than dealing with insurance agents. The truth is that you can easily find a policy that fits your needs and provides affordable premiums via the Internet. An organization, such as the Hughes Trustco Group, can even generate quotes for you from multiple insurance providers so you'll know that you're receiving the best deal possible on the policy you want.
The bottom line is that mortgage insurance is important and should be part of your home buying or refinancing preparations, but that does not mean you need to pay more or let the bank make important decisions for you. Instead, you should find your own personal plan from a third party provider which will let you stay in control of your policy and will save you money in the long run.
http://www.american-lender.com/free-info/How-Good-a-Deal-Is-Your-Banks-Mortgage-Insurance-Plan.html
The truth is that you could probably get a much better deal and at least an equal amount of protection by shopping around for your own insurance policy.
Essentially, mortgage insurance is no different than term-life insurance. With both, your policy only lasts for a specified period of time and pays its benefits if something happens to you or your spouse. The real difference comes down to how much control you'll have over your policy and how much you'll pay for it.
If you choose to use the mortgage insurance offered by the bank, you will not be able to customize a policy to fit your needs and you'll be lumped together with other borrowers under a group plan. Because of this, you will only have limited control over your policy. For example, through a third party provider, you would be able to choose your own beneficiary, decide how to spend the proceeds if necessary, and cancel the policy at any time. You would not have these options with a lending institution.
Additionally, the bank maintains the right to not renew your policy and to cancel the policy when you sell the house. If you find your own insurance provider, you can make those decisions yourself.
The other big difference is cost. A third party insurance policy's premiums will not go up, so you would pay the same premium today that you'd pay ten years from now. You won't get that same guarantee from a bank which can and probably will increase your premiums during the life of the policy. In most cases, you'll probably pay more through a bank anyway. In fact, you could pay as much as 40% more than you would if you shopped around and found your own insurance provider. Not to mention that the policy you take out through your bank will gradually decrease in value while a plan you select from an outside source will be worth the same amount during the entire policy period.
Of course, many people don't mind paying more for their mortgage insurance because it's more convenient than dealing with insurance agents. The truth is that you can easily find a policy that fits your needs and provides affordable premiums via the Internet. An organization, such as the Hughes Trustco Group, can even generate quotes for you from multiple insurance providers so you'll know that you're receiving the best deal possible on the policy you want.
The bottom line is that mortgage insurance is important and should be part of your home buying or refinancing preparations, but that does not mean you need to pay more or let the bank make important decisions for you. Instead, you should find your own personal plan from a third party provider which will let you stay in control of your policy and will save you money in the long run.
http://www.american-lender.com/free-info/How-Good-a-Deal-Is-Your-Banks-Mortgage-Insurance-Plan.html
Home Mortgage Low Interest Rate - Finding The Best Mortgage
Interest rates are at an all time low, making now the perfect time to purchase a new home or refinance your existing mortgage. The interest rate you receive will depend largely on your credit rating, monthly debt, and your income. Mortgage loans are typically 15 to 30 years in length and will either have a fixed or variable interest rate.
Before you apply for a mortgage it's a good idea to check your credit report. Even with poor credit, correcting mistakes and checking the accuracy of your credit report can be very helpful to you in choosing a lender and obtaining the lowest interest rate possible.
A pre-qualification or pre-approval from a lender can be useful in searching for and making an offer on a new home. Sellers can be very receptive to potential homebuyers who have already begun the mortgage process.
Loan products vary from one lending institution to another, so be certain to compare rates and terms. The rate of interest you pay can greatly affect your monthly payments and the over all costs involved in obtaining and paying off your home loan. Finding the best interest rate available to you will definitely save you money. While shopping for a mortgage, check the current interest rates as well as projected fluctuations in the market. Interest rates are currently at an all time low but even slight periodic changes can mean more money out of your pocket.
Your lender will be required to disclose the annual percentage rate that you'll pay in regard to your home loan. The APR will tell you how much interest you will pay each year and throughout the length of your mortgage. Each different lender and loan product will have unique terms and conditions. You interest rate will be based on several factors, including your credit score. Generally the higher your credit score, the lower the interest rate you will pay. If you have no or bad credit, your credit score will be lower than someone who has had many credit accounts and paid them as agreed each month. Shop around for the best lender and home loan for your situation.
No matter what your financial situation or credit score, finding a home loan with the lowest possible interest rate can save you thousands of dollars over time. Bad credit or good credit, there are lenders who can tailor a loan to your specific needs and offer you an interest rate and payments to fit your budget.
http://www.american-lender.com/free-info/Home-Mortgage-Low-Interest-Rate--Finding-The-Best-Mortgage.html
Before you apply for a mortgage it's a good idea to check your credit report. Even with poor credit, correcting mistakes and checking the accuracy of your credit report can be very helpful to you in choosing a lender and obtaining the lowest interest rate possible.
A pre-qualification or pre-approval from a lender can be useful in searching for and making an offer on a new home. Sellers can be very receptive to potential homebuyers who have already begun the mortgage process.
Loan products vary from one lending institution to another, so be certain to compare rates and terms. The rate of interest you pay can greatly affect your monthly payments and the over all costs involved in obtaining and paying off your home loan. Finding the best interest rate available to you will definitely save you money. While shopping for a mortgage, check the current interest rates as well as projected fluctuations in the market. Interest rates are currently at an all time low but even slight periodic changes can mean more money out of your pocket.
Your lender will be required to disclose the annual percentage rate that you'll pay in regard to your home loan. The APR will tell you how much interest you will pay each year and throughout the length of your mortgage. Each different lender and loan product will have unique terms and conditions. You interest rate will be based on several factors, including your credit score. Generally the higher your credit score, the lower the interest rate you will pay. If you have no or bad credit, your credit score will be lower than someone who has had many credit accounts and paid them as agreed each month. Shop around for the best lender and home loan for your situation.
No matter what your financial situation or credit score, finding a home loan with the lowest possible interest rate can save you thousands of dollars over time. Bad credit or good credit, there are lenders who can tailor a loan to your specific needs and offer you an interest rate and payments to fit your budget.
http://www.american-lender.com/free-info/Home-Mortgage-Low-Interest-Rate--Finding-The-Best-Mortgage.html
Residential Mortgage - Finding The Best Home Mortgage Lender
Most people approach the act of getting a home mortgage purchase or refinance loan the wrong way. They timidly approach lenders and cross their fingers that they will quality for that all-important loan. But that’s just the opposite of what most people should be doing!
There are a lot of lenders out there—some great and others that can be difficult to work with. And here’s the good news—they all want your business! Before agreeing to a contract with just any lender, you should make an appointment with (in person or by telephone) and ask them some important questions. Doing so could make the difference in a wonderful experience and one that you’d rather forget.
If you are in the process of applying for a mortgage loan—either online or off—then you should ask the following questions to every lender that you are considering.
• What are my loan options? Some lenders specialize in only fixed-rate mortgages and you couldn’t get an ARM if you begged. It’s important to know your options up-front.
• What is the interest rate? You can easily go online and find the competitive interest rate on any given day, and you should ensure that your chosen mortgage lender is offering you one in line with the market.
• How many points will I have to pay to guarantee that rate? Just because someone offers you a great interest rate, that doesn’t mean there won’t be strings attached. Be sure and ask if the interest rate they quoted you is contingent on your buying points.
• Will you charge an application fee? This can vary drastically from lender to lender, and in some cases the fees are negotiable.
• What happens if I pay off my loan early? Some lenders will include a pre-payment penalty in their contract, actually penalizing you for paying off your loan early. If one is included in yours, try to negotiate around it, or look for another lender.
• Can I lock in my rate? Be sure to ask specifics about this. Will it be possible to lock in a rate at the application stage, or will you have to wait until you’ve been approved? After you’ve locked it in, how long is it good for?
• Will I be assigned a person that I should call with questions? It is vital that one person is familiar with your application and loan documents so you don’t have to explain yourself every time you call with a question.
• How long will it take you to approve a loan? With the Internet and other modern advances, there should no reason that a lender can’t process your loan in a jiffy. If a lender appears to be slow, you should take it as a red flag.
The best way to find a good lender is to use a home mortgage loan company online that will give you multiple offers from different lenders. You want to let lenders compete over your business.
http://www.american-lender.com/free-info/Residential-Mortgage--Finding-The-Best-Home-Mortgage-Lender.html
There are a lot of lenders out there—some great and others that can be difficult to work with. And here’s the good news—they all want your business! Before agreeing to a contract with just any lender, you should make an appointment with (in person or by telephone) and ask them some important questions. Doing so could make the difference in a wonderful experience and one that you’d rather forget.
If you are in the process of applying for a mortgage loan—either online or off—then you should ask the following questions to every lender that you are considering.
• What are my loan options? Some lenders specialize in only fixed-rate mortgages and you couldn’t get an ARM if you begged. It’s important to know your options up-front.
• What is the interest rate? You can easily go online and find the competitive interest rate on any given day, and you should ensure that your chosen mortgage lender is offering you one in line with the market.
• How many points will I have to pay to guarantee that rate? Just because someone offers you a great interest rate, that doesn’t mean there won’t be strings attached. Be sure and ask if the interest rate they quoted you is contingent on your buying points.
• Will you charge an application fee? This can vary drastically from lender to lender, and in some cases the fees are negotiable.
• What happens if I pay off my loan early? Some lenders will include a pre-payment penalty in their contract, actually penalizing you for paying off your loan early. If one is included in yours, try to negotiate around it, or look for another lender.
• Can I lock in my rate? Be sure to ask specifics about this. Will it be possible to lock in a rate at the application stage, or will you have to wait until you’ve been approved? After you’ve locked it in, how long is it good for?
• Will I be assigned a person that I should call with questions? It is vital that one person is familiar with your application and loan documents so you don’t have to explain yourself every time you call with a question.
• How long will it take you to approve a loan? With the Internet and other modern advances, there should no reason that a lender can’t process your loan in a jiffy. If a lender appears to be slow, you should take it as a red flag.
The best way to find a good lender is to use a home mortgage loan company online that will give you multiple offers from different lenders. You want to let lenders compete over your business.
http://www.american-lender.com/free-info/Residential-Mortgage--Finding-The-Best-Home-Mortgage-Lender.html
Foreclosures on the Rise - Refinance Mortgages May Be Beneficial For Some Borrowers
San Bernardino County Tax Assessor, Bill Postmus, reports that there are 30 to 40 foreclosures being filed every day. This article will explore the option of refinancing a loan as opposed to taking out a second mortgage. When you refinance a mortgage you are taking out a secured loan that will replace your existing mortgage. As the numbers of foreclosures increase around the country, it is important to consider all of your options.
But why refinance as opposed to taking out that second loan? The first consideration is the interest rate. If a homeowner has been making their payments on an adjustable rate mortgage that has reset to a higher rate, they may be better off applying for a refinance mortgage. Depending on the credit history, a fixed rate mortgage may be available.
You may be able to extend the time-frame for repayment of a refinance mortgage. By extending the period for repayment, the borrower reduces their monthly payments. Any money saved can be used to pay down the loan principal amount. By reducing the principal, you can reduce the term of repayment. Make certain that your loan does not have a pre-payment penalty.
Some borrowers may wish to liquidate some of the equity in their property. Maybe they would like to pay off some high interest credit card debt, a car loan or make some home improvements. If there is equity in the home, this type of loan may be possible.
Since interest rates on an adjustable rate mortgage (ARM) shift up and down over time, it may be advantageous to lock in a lower fixed rate mortgage. A fixed rate mortgage (FRM) will ensure that the required payments over the loan term don’t fluctuate.
Some borrowers have opted for what is referred to as Cash-Out refinancing. This refers to the process of refinancing an existing loan to remove the equity. Typically, people will do that to pay off high interest non-secured debt.
There may be tax advantages to a mortgage over credit card or other non-secured debt. Non-secured loans may not be tax deductible. The interest on a mortgage may be tax-deductible. A change in deductions may also shift the borrower into a lower tax bracket. Always check with your tax professional or financial advisor first.
But there are risks associated with a cash-out or refinance loan. Although you may save money on mortgage payments and taxes, you are putting your home up as collateral for the loan. Your house may be at risk of foreclosure if you are unable to make the payments.
The borrower may also be faced with higher loan fees and points. Points are a percentage of the loan and can be used to lower the interest rate. Typically, if you pay more points you may get a lower interest rate and lower payments. Some lenders will offer to finance parts of the loan themselves, thus generating so-called "Negative points" (also called discounts).
A refinance loan should be weighed against the alternatives; either keep your existing loan or take out a second mortgage. If your existing rate is 1.5 percentage points or more that the refinance rate, it may be beneficial to refinance. But over the long-run, a refinance mortgage may be the best alternative.
http://www.bestsyndication.com/?q=110907_foreclosures_refinance_information.htm
Advantages of Mortgage Refinancing
The basic concept of mortgage refinance is that it acts as a second loan availed of on a property or home substituting any previous loan on the same property. Mortgage refinance offers low interest rate, also cuts down the loan repayment term by refinancing the house or property and in turn lowers the mortgage payment. For many people, mortgage refinance provides an opportunity to improve the monthly cash flow by helping them get back on their feet.
Mortgage refinancing can be an advantageous move financially as many home owners benefit out of refinance for the purposes of either cash out or to change from an adjustable rate mortgage to a fixed rate or debt consolidation to lower their interest rate if they are either locked into an adjustable rate mortgage or fixed rate mortgage. Even though the refinancing option does not always help a person save more money, it provides a good opportunity for improving the loan terms and the benefits of debt consolidation making it an option worth considering.
When the interest rates drop drastically, people think of refinancing their loans got towards a car or home. It is worth to consider mortgage refinance or refinance loan when a person is paying high interest rates. The mortgage refinancing option can be very enticing as the interest rates are lower than when the person originally got his mortgage loan.
The person needs to know if he plans to live in the house which he is refinancing for more years or even for the rest of his life. This will help him come to a conclusion regarding the type of refinance loan he would like to go with. Before going for a refinance it is good to be sure of it first.
The person should be aware of his budget. Before going for a refinance he needs to know how much he can afford. He should have a realistic monthly payment plan so that he can be sure of paying it without any problem on time every month. The fine print of the refinance loan needs to be read in a detailed manner especially when it offers a very low interest rate. There may be a catch as those who are eager about getting a lower interest rate may not read the fine print carefully. Such persons end up paying a huge amount at the end. They should look for any penalties levied if the loan is paid early as the lender is assured of getting more interest rates and in turn more profits.
Understanding the loan is very important. In case any queries required to be clarified, there is no harm in asking questions, as it will only make the process smooth. If required, the help of a legal professional can be had to review the documents on the behalf of the borrower. This saves both money and time. Only after careful review, documents need to be signed. Apart from all these things, the credit history or credit score should be known to the borrower, as it will determine the money got through refinance loan and the loan terms.
http://www.website-articles.net/Article/Advantages-of-Mortgage-Refinancing/12514
Mortgage refinancing can be an advantageous move financially as many home owners benefit out of refinance for the purposes of either cash out or to change from an adjustable rate mortgage to a fixed rate or debt consolidation to lower their interest rate if they are either locked into an adjustable rate mortgage or fixed rate mortgage. Even though the refinancing option does not always help a person save more money, it provides a good opportunity for improving the loan terms and the benefits of debt consolidation making it an option worth considering.
When the interest rates drop drastically, people think of refinancing their loans got towards a car or home. It is worth to consider mortgage refinance or refinance loan when a person is paying high interest rates. The mortgage refinancing option can be very enticing as the interest rates are lower than when the person originally got his mortgage loan.
The person needs to know if he plans to live in the house which he is refinancing for more years or even for the rest of his life. This will help him come to a conclusion regarding the type of refinance loan he would like to go with. Before going for a refinance it is good to be sure of it first.
The person should be aware of his budget. Before going for a refinance he needs to know how much he can afford. He should have a realistic monthly payment plan so that he can be sure of paying it without any problem on time every month. The fine print of the refinance loan needs to be read in a detailed manner especially when it offers a very low interest rate. There may be a catch as those who are eager about getting a lower interest rate may not read the fine print carefully. Such persons end up paying a huge amount at the end. They should look for any penalties levied if the loan is paid early as the lender is assured of getting more interest rates and in turn more profits.
Understanding the loan is very important. In case any queries required to be clarified, there is no harm in asking questions, as it will only make the process smooth. If required, the help of a legal professional can be had to review the documents on the behalf of the borrower. This saves both money and time. Only after careful review, documents need to be signed. Apart from all these things, the credit history or credit score should be known to the borrower, as it will determine the money got through refinance loan and the loan terms.
http://www.website-articles.net/Article/Advantages-of-Mortgage-Refinancing/12514
Tuesday, November 13, 2007
Is Mortgage Refinancing Right for You
Ever wondered if mortgage refinancing would be a beneficial step for you to take? Well, here’s an attempt to simplify the process of mortgage refinancing to help you understand whether or not it is the right choice for you.
So exactly what is Mortgage Refinancing?
Mortgage refinancing in its simplest form occurs when someone takes out a second mortgage on their home to pay off the first mortgage on that same home. Mortgage refinancing, if done at the right time, can be very beneficial due to savings realized from lower mortgage rates and reduced monthly payments. Mortgage refinancing, however, is not necessarily the right solution for all individuals and households. This is because there are several choices involved in the application process that can either negatively or positively affect your overall savings. Therefore, it is crucial that you understand the process to determine whether or not mortgage refinancing is the right choice for you.
To find out whether or not mortgage refinancing will result in more profit than loss, you first need to calculate the break-even point on your new loan, using a mortgage calculator is the easiest and more effective method. The break-even point is the point in your mortgage repayment period at which you start realizing savings on your monthly loan payments. The break-even point helps determine whether or not mortgage refinancing is worth it for you. One important factor that needs to be taken into consideration is the length of time you plan to live in that particular house because it usually takes some time before savings on your refinanced loan start flowing in. The easiest way to calculate the break-even point on your new mortgage is to first compute the amount that your monthly payment decreases from your old loan to your new loan. Then you need to add up all the costs involved in the refinancing process, such as prepayment penalties and closing costs. Finally, you need to divide the total savings into the total costs to get the number of months that it will take to reach the break-even point in your refinanced loan.
Here’s a quick example:
Let’s say that refinancing your mortgage causes your monthly payment to reduce from $1,500 to $1,200 and the total costs associated with refinancing add up to $6,000. You simply divide the $6,000 in costs by the $300 in savings and the answer reveals that it will take 20 months for you to begin earning savings on your refinanced mortgage. Let’s say the family in this example is planning to live at that residence for approximately 5 years. In this case, it will make sense to refinance because they will start earning savings on their monthly payments after 1 year and 8 months, or 20 months, of living at that residence. However, if the family only plans to stay at that residence for 1 year, then mortgage refinancing is not that right choice for them because they will not realize any savings in the next year.
Another key factor that needs to be examined when calculating mortgage refinance gains versus losses is the annual percentage rate, or APR interest rate, on the old mortgage compared to the APR on the new mortgage. Many people seem to think that you can get a lower monthly payment simply by refinancing to a loan with a lower interest rate. This belief is far from the truth due to the fact that there are other costs and fees involved in the refinancing process that need to be taken into consideration. APR is a better and more accurate basis of comparison to evaluate the difference between two separate mortgage loans. The APR on your refinanced mortgage takes into account other important expenses in addition to the base interest rate, such as whether you have a fixed or adjustable rate, the length of the loan period, discount points, and all other charges including, origination fees, application fees, appraisal fees, insurance costs, and so on. Using APR to compare your current mortgage to a refinanced mortgage helps accurately determine whether or not mortgage refinancing is the right choice for you.
Mortgage refinancing, if done at the right time, can result in a lower interest rate on your mortgage which consequently results in a lower monthly payment. As mentioned above, although you may get a lower interest rate on your refinanced loan, it doesn’t mean that you will instantly start realizing savings. The savings are sometimes lost in the costs associated with getting a new loan and paying off an old loan before the end of its term. The break-even point and annual percentage rate (APR) are two key factors that need to be used when evaluating whether or not mortgage refinancing is a suitable option for you. The break-even point helps determine if mortgage refinancing will provide you with savings based on how long you plan to stay at that particular house, and APR helps to compare the true costs associated with your old mortgage and new mortgage refinance loan. So by now you should have a good idea whether or not mortgage refinancing will be a beneficial step for you take in terms of lowered costs.
http://www.secureloanconsolidation.com/mortgage_refinance_rate.asp
So exactly what is Mortgage Refinancing?
Mortgage refinancing in its simplest form occurs when someone takes out a second mortgage on their home to pay off the first mortgage on that same home. Mortgage refinancing, if done at the right time, can be very beneficial due to savings realized from lower mortgage rates and reduced monthly payments. Mortgage refinancing, however, is not necessarily the right solution for all individuals and households. This is because there are several choices involved in the application process that can either negatively or positively affect your overall savings. Therefore, it is crucial that you understand the process to determine whether or not mortgage refinancing is the right choice for you.
To find out whether or not mortgage refinancing will result in more profit than loss, you first need to calculate the break-even point on your new loan, using a mortgage calculator is the easiest and more effective method. The break-even point is the point in your mortgage repayment period at which you start realizing savings on your monthly loan payments. The break-even point helps determine whether or not mortgage refinancing is worth it for you. One important factor that needs to be taken into consideration is the length of time you plan to live in that particular house because it usually takes some time before savings on your refinanced loan start flowing in. The easiest way to calculate the break-even point on your new mortgage is to first compute the amount that your monthly payment decreases from your old loan to your new loan. Then you need to add up all the costs involved in the refinancing process, such as prepayment penalties and closing costs. Finally, you need to divide the total savings into the total costs to get the number of months that it will take to reach the break-even point in your refinanced loan.
Here’s a quick example:
Let’s say that refinancing your mortgage causes your monthly payment to reduce from $1,500 to $1,200 and the total costs associated with refinancing add up to $6,000. You simply divide the $6,000 in costs by the $300 in savings and the answer reveals that it will take 20 months for you to begin earning savings on your refinanced mortgage. Let’s say the family in this example is planning to live at that residence for approximately 5 years. In this case, it will make sense to refinance because they will start earning savings on their monthly payments after 1 year and 8 months, or 20 months, of living at that residence. However, if the family only plans to stay at that residence for 1 year, then mortgage refinancing is not that right choice for them because they will not realize any savings in the next year.
Another key factor that needs to be examined when calculating mortgage refinance gains versus losses is the annual percentage rate, or APR interest rate, on the old mortgage compared to the APR on the new mortgage. Many people seem to think that you can get a lower monthly payment simply by refinancing to a loan with a lower interest rate. This belief is far from the truth due to the fact that there are other costs and fees involved in the refinancing process that need to be taken into consideration. APR is a better and more accurate basis of comparison to evaluate the difference between two separate mortgage loans. The APR on your refinanced mortgage takes into account other important expenses in addition to the base interest rate, such as whether you have a fixed or adjustable rate, the length of the loan period, discount points, and all other charges including, origination fees, application fees, appraisal fees, insurance costs, and so on. Using APR to compare your current mortgage to a refinanced mortgage helps accurately determine whether or not mortgage refinancing is the right choice for you.
Mortgage refinancing, if done at the right time, can result in a lower interest rate on your mortgage which consequently results in a lower monthly payment. As mentioned above, although you may get a lower interest rate on your refinanced loan, it doesn’t mean that you will instantly start realizing savings. The savings are sometimes lost in the costs associated with getting a new loan and paying off an old loan before the end of its term. The break-even point and annual percentage rate (APR) are two key factors that need to be used when evaluating whether or not mortgage refinancing is a suitable option for you. The break-even point helps determine if mortgage refinancing will provide you with savings based on how long you plan to stay at that particular house, and APR helps to compare the true costs associated with your old mortgage and new mortgage refinance loan. So by now you should have a good idea whether or not mortgage refinancing will be a beneficial step for you take in terms of lowered costs.
http://www.secureloanconsolidation.com/mortgage_refinance_rate.asp
Please Consider All The Costs Of A Home Mortgage Refinance Loan
When monthly expenditures get out of hand, many people turn to refinancing their mortgage as a way to free up more of their monthly income. When considering this option, it is important that homeowners are aware of the various ways they can refinance. It is also a good idea to bear in mind the long-term cost and current mortgage refinance rates and fees, before deciding if home loan refinancing will make financial sense.
A homeowner, who is looking for a mortgage refinance, should first find out the mortgage refinance rate that may be available to them. They can do this in several different ways. One way is to contact their current lender to see what home refinance rate they are currently offering. The next option is to check rates with banks in their area and with online lenders. Comparison-shopping is usually the most important step consumers can take to find the best mortgage refinance rates available to them.
It is possible that the homeowner’s current lender will not offer them a lower rate. After all, this lender has already secured the borrower as a customer at the higher rate. Providing them with a cheaper mortgage refinance rate means they will make less income on the same money. On the other hand, a different lender has the incentive to offer a low-interest mortgage refinance rate in order to secure new business. Competition among lenders today can lead to significant savings for borrowers.
Even with this knowledge, comparing the costs between different lenders could still intimidate the average borrower. To help counter this problem, most lenders now have websites that can estimate the mortgage refinance rate a borrower could secure with their company. A number of websites also have mortgage refinance calculators that will estimate the long-term and short-term costs of entering into a mortgage contract with their company. This calculator will be based on the homeowner’s principal, interest, tax, and insurance (PITI). In short, a PITI is a combination of all the charges included in the monthly mortgage payment.
To make the search even easier, there are also third party websites that compare mortgage rates that are being offered by a number of different lenders. These websites can be very valuable for those borrowers who do not have the time or patience to visit a dozen lender websites.
When making final decisions about refinancing options, it is imperative to compare the current mortgage with the estimated costs of the refinanced mortgage. Many refinanced mortgages will offer a lower home mortgage refinance rate, but the duration of the contract will be for a longer period of time than the existing mortgage. The lower mortgage refinance rate and lower monthly payments can be initially attractive; however, if the loan term is extended, the borrower might end up paying more for the refinanced mortgage than they would for the initial mortgage agreement.
In addition, there are usually fees associated with refinancing a home loan. Some lenders will charge an origination fee, processing fee and closing fee, which will be added to the principal balance of the new loan. Securing the best mortgage refinance rate may not be beneficial to a homeowner if these additional fees are excessive.
The best way to determine if the refinanced mortgage offer is better than your current mortgage is to determine the break-even point. This is the point at which the mortgage agreement ceases to be a money-saving deal. For example, let’s say a borrower has 6 years remaining on their current mortgage. With the new mortgage refinance rate, their new loan term will be 10 years. The borrower must then decide if having a lower rate for a longer amount of time is better than a higher interest rate for a shorter amount of time. Where does the break-even point occur, or does it?
Refinancing a high interest mortgage loan may seem like a good way to manage increasing monthly debt. In some cases, it may be very beneficial for a homeowner to do this. However, securing the best mortgage refinance rate should not be the only determining factor. Long-term costs or other associated fees should also be part of the equation. As always, an informed decision may take longer to reach, but it will make more sense in the long run.
http://www.secureloanconsolidation.com/best_mortgage_refinance_rate.asp
A homeowner, who is looking for a mortgage refinance, should first find out the mortgage refinance rate that may be available to them. They can do this in several different ways. One way is to contact their current lender to see what home refinance rate they are currently offering. The next option is to check rates with banks in their area and with online lenders. Comparison-shopping is usually the most important step consumers can take to find the best mortgage refinance rates available to them.
It is possible that the homeowner’s current lender will not offer them a lower rate. After all, this lender has already secured the borrower as a customer at the higher rate. Providing them with a cheaper mortgage refinance rate means they will make less income on the same money. On the other hand, a different lender has the incentive to offer a low-interest mortgage refinance rate in order to secure new business. Competition among lenders today can lead to significant savings for borrowers.
Even with this knowledge, comparing the costs between different lenders could still intimidate the average borrower. To help counter this problem, most lenders now have websites that can estimate the mortgage refinance rate a borrower could secure with their company. A number of websites also have mortgage refinance calculators that will estimate the long-term and short-term costs of entering into a mortgage contract with their company. This calculator will be based on the homeowner’s principal, interest, tax, and insurance (PITI). In short, a PITI is a combination of all the charges included in the monthly mortgage payment.
To make the search even easier, there are also third party websites that compare mortgage rates that are being offered by a number of different lenders. These websites can be very valuable for those borrowers who do not have the time or patience to visit a dozen lender websites.
When making final decisions about refinancing options, it is imperative to compare the current mortgage with the estimated costs of the refinanced mortgage. Many refinanced mortgages will offer a lower home mortgage refinance rate, but the duration of the contract will be for a longer period of time than the existing mortgage. The lower mortgage refinance rate and lower monthly payments can be initially attractive; however, if the loan term is extended, the borrower might end up paying more for the refinanced mortgage than they would for the initial mortgage agreement.
In addition, there are usually fees associated with refinancing a home loan. Some lenders will charge an origination fee, processing fee and closing fee, which will be added to the principal balance of the new loan. Securing the best mortgage refinance rate may not be beneficial to a homeowner if these additional fees are excessive.
The best way to determine if the refinanced mortgage offer is better than your current mortgage is to determine the break-even point. This is the point at which the mortgage agreement ceases to be a money-saving deal. For example, let’s say a borrower has 6 years remaining on their current mortgage. With the new mortgage refinance rate, their new loan term will be 10 years. The borrower must then decide if having a lower rate for a longer amount of time is better than a higher interest rate for a shorter amount of time. Where does the break-even point occur, or does it?
Refinancing a high interest mortgage loan may seem like a good way to manage increasing monthly debt. In some cases, it may be very beneficial for a homeowner to do this. However, securing the best mortgage refinance rate should not be the only determining factor. Long-term costs or other associated fees should also be part of the equation. As always, an informed decision may take longer to reach, but it will make more sense in the long run.
http://www.secureloanconsolidation.com/best_mortgage_refinance_rate.asp
Is Mortgage Refinancing Possible For Someone With Bad Credit
Keeping up with the monthly expenses involved with owning a home can be a stressful endeavor. Many homeowners would agree that this stress is mostly due to mortgage payments. Juggling a costly mortgage payment along with other expenses (such as credit card bills, utilities, groceries, etc.) has caused many Americans to fall behind on their debts. Unfortunately, this can result in a poor credit rating. Those with bad credit, who are looking for a way to manage their debts, may want to consider a “bad credit” mortgage refinance loan. For many Americans, a bad credit mortgage refinance loan has been effective in helping them return to financial success.
A bad credit mortgage refinance is similar to a standard mortgage refinance loan for those with good credit. In both situations, the goal for the homeowner is to lock in a lower, fixed-rate Annual Percentage Rate (APR) than they have with their current lender. The low interest rate is attractive because it means that the loan will accrue less interest during its lifetime.
Another attractive feature of the bad credit mortgage refinance loan is that it could mean a lower monthly payment. This is often the most appealing part of home loan refinancing for those with bad credit; the lower monthly payment can free up the borrower’s monthly income, allowing them to get “caught up” on other outstanding debts. This can benefit a borrower in that lowering other debts will eventually lead to an improvement in their financial situation and credit rating.
However, it is important to understand that the bad credit mortgage refinance agreement will not be identical to the agreement someone with good credit might receive. A bad credit mortgage refinance loan may carry a higher interest rate or charge different fees than other refinance programs would. This is due to the fact that someone with a good credit rating is considered more financially responsible than someone with bad credit, at least from a lender’s perspective. It is still possible, though; that the bad credit mortgage refinance rate offered would be lower than the rate the homeowner is currently paying.
It is important to note that a bad credit mortgage refinance loan is not a “sure thing”. Many loan companies simply do not offer refinance loans to someone with poor credit. However, a growing number of loan agencies are getting involved in bad credit mortgage refinance programs; you may have to spend a bit more time shopping your options in order to find the right lending company willing to refinance your home loan, even if you have bad credit.
The important thing to realize is that although your local hometown bank may never consider a bad credit mortgage refinance loan, there are companies who will. Now is not the time to give up hope and let a lending company repossess your home. The more equity one has in their home currently, the more likely it will be that the homeowner will be able to find a lender to help them in their time of dire financial need.
There are steps a person can take if a bad credit rating has hindered them in securing a refinance on their mortgage. The first thing they should do is request a copy of their credit report. If a person has been turned down for new credit, a credit-reporting agency will supply this information at no charge. The reason borrowers should do this is so that they can thoroughly review the information the report contains. It is not uncommon for a credit report to contain inaccuracies or outdated information. If the borrower finds that this is the case, it is imperative that he/she corrects this information to improve their credit rating.
Lastly, if the borrower finds that they only qualify for a bad credit mortgage refinance offer, they should shop around for the best available rates and fees. After securing a bad credit mortgage refinance loan, it is important that the borrower stay up-to-date on their payment schedule. Ideally, the borrower will get and remain timely with their other bills as well. If this occurs for a year or longer, significant improvements may be seen in the borrower’s credit report. At that point in time, it may be possible for the borrower to reapply for mortgage refinancing and secure an even better rate, than the one acquired through the bad credit mortgage-refinancing loan.
Sometimes bad credit happens to good people. Unforeseen circumstances can occur in any person’s life that may cause financial hardships. The good news is that more and more lenders are seeing the need for bad credit mortgage refinances. Anyone with bad credit who is interested in turning their credit troubles around, should look into home loans of this type, if they cannot get regular financing from other lenders.
http://www.secureloanconsolidation.com/bad_credit_mortgage_refinance.asp
A bad credit mortgage refinance is similar to a standard mortgage refinance loan for those with good credit. In both situations, the goal for the homeowner is to lock in a lower, fixed-rate Annual Percentage Rate (APR) than they have with their current lender. The low interest rate is attractive because it means that the loan will accrue less interest during its lifetime.
Another attractive feature of the bad credit mortgage refinance loan is that it could mean a lower monthly payment. This is often the most appealing part of home loan refinancing for those with bad credit; the lower monthly payment can free up the borrower’s monthly income, allowing them to get “caught up” on other outstanding debts. This can benefit a borrower in that lowering other debts will eventually lead to an improvement in their financial situation and credit rating.
However, it is important to understand that the bad credit mortgage refinance agreement will not be identical to the agreement someone with good credit might receive. A bad credit mortgage refinance loan may carry a higher interest rate or charge different fees than other refinance programs would. This is due to the fact that someone with a good credit rating is considered more financially responsible than someone with bad credit, at least from a lender’s perspective. It is still possible, though; that the bad credit mortgage refinance rate offered would be lower than the rate the homeowner is currently paying.
It is important to note that a bad credit mortgage refinance loan is not a “sure thing”. Many loan companies simply do not offer refinance loans to someone with poor credit. However, a growing number of loan agencies are getting involved in bad credit mortgage refinance programs; you may have to spend a bit more time shopping your options in order to find the right lending company willing to refinance your home loan, even if you have bad credit.
The important thing to realize is that although your local hometown bank may never consider a bad credit mortgage refinance loan, there are companies who will. Now is not the time to give up hope and let a lending company repossess your home. The more equity one has in their home currently, the more likely it will be that the homeowner will be able to find a lender to help them in their time of dire financial need.
There are steps a person can take if a bad credit rating has hindered them in securing a refinance on their mortgage. The first thing they should do is request a copy of their credit report. If a person has been turned down for new credit, a credit-reporting agency will supply this information at no charge. The reason borrowers should do this is so that they can thoroughly review the information the report contains. It is not uncommon for a credit report to contain inaccuracies or outdated information. If the borrower finds that this is the case, it is imperative that he/she corrects this information to improve their credit rating.
Lastly, if the borrower finds that they only qualify for a bad credit mortgage refinance offer, they should shop around for the best available rates and fees. After securing a bad credit mortgage refinance loan, it is important that the borrower stay up-to-date on their payment schedule. Ideally, the borrower will get and remain timely with their other bills as well. If this occurs for a year or longer, significant improvements may be seen in the borrower’s credit report. At that point in time, it may be possible for the borrower to reapply for mortgage refinancing and secure an even better rate, than the one acquired through the bad credit mortgage-refinancing loan.
Sometimes bad credit happens to good people. Unforeseen circumstances can occur in any person’s life that may cause financial hardships. The good news is that more and more lenders are seeing the need for bad credit mortgage refinances. Anyone with bad credit who is interested in turning their credit troubles around, should look into home loans of this type, if they cannot get regular financing from other lenders.
http://www.secureloanconsolidation.com/bad_credit_mortgage_refinance.asp
Refinance Your Mortgage For the Right Reasons and at the Right Time
Among the list of assets a person can own, a home is one of the best. Generally, the property value of a home will increase as the years pass. And during the course of home ownership, the homeowner is investing their hard-earned money into their own financial holdings, rather than in a landlord’s financial holdings. The reasons and benefits of owning a home are many, so most homeowners who experience financial problems will sacrifice many other things and activities, before they even consider giving up on keeping their home.
When personal and financial circumstances change, some homeowners may begin looking into the possibility of a mortgage refinance loan. There are many reasons a person might need mortgage refinancing, but solving financial problems and home improvement are two of the most common reasons. Fortunately, a mortgage refinance loan is easy to apply for and the requirements to meet are minimal.
Mortgage refinancing means that the initial loan used to purchase the home is being paid off by the proceeds from a new loan. It might sound nonsensical to replace one loan with another; however, there are many reasons that mortgage refinancing could be to a homeowner’s benefit.
One reason a homeowner might choose mortgage refinancing is to save money on their monthly payment. When a person refinances, it may be possible to secure a lower interest rate and lower payments. This could result in the homeowner having additional funds to spend each month. These funds could be used to make improvements to the property or to cover the expensive university costs for a child.
Of course, saving money on interest every month equals saving even more money over the course of the next few years. Therefore, anytime a debt can be refinanced at a lower interest rate, it is a good idea to do so.
Another possible reason for mortgage refinancing is to change a variable interest rate into a fixed one. For example, there are mortgage loans that charge a very low interest rate. This may seem like a great deal at first, but if the current mortgage payment happens to be less than the interest the loan accrues, the balance of the loan will consistently increase. The result is that the homeowner is not making progress in paying off their mortgage; for the homeowner, this is kind of like running in place. Someone in this situation might want to look into mortgage refinancing with a fixed interest rate and set payments to ensure that they will one day be mortgage-free.
In order for a homeowner to get mortgage refinancing, they must first decide on a mortgage lender. Since there are numerous lenders to choose from, it is a good idea to do a little research and find the one who offers the best rate and/or loan package. There are different rules and fees associated with the many home mortgage refinance loans in the marketplace. Anyone considering mortgage refinancing should compare the various types of loans to determine which one will prove to be most beneficial in their particular situation. And one should not forget to consider all fees and charges connected to a loan, as part of the overall loan package.
The application for mortgage refinancing is a fairly simple procedure and can be done in person or online. Many institutions have set up online versions of their applications to make the approval process quicker and more convenient for the borrower. The application requires general information from the homeowner such as, name, address, age, etc. The lender will also need to know the loan amount being requested, the property value, and the estimated payoff on the current mortgage. With this information, the lender should be able to decide if mortgage refinancing is the best option.
If the loan looks possible, the lender will do a credit check. Good credit is the most important requirement in being approved for any loan including mortgage refinancing. Generally, if a person already owns a home, their credit will be pretty good. However, sometimes the reason a homeowner wants the mortgage loan refinance in the first place, is because they are having a hard time paying their bills. Mortgage refinancing may allow them to better manage their finances. For this reason, many lenders can justify mortgage refinancing for someone who may be viewed as having bad credit.
In today’s economy, there is a lot of movement with interest rates. Sometimes the changes are hard to keep up with. However, keeping an eye on mortgage rates can be very beneficial to a homeowner. While it is not advantageous to refinance a mortgage every time interest rates drop a half a point, it is a good idea to watch for significant decreases. Knowing if and when mortgage refinancing benefits a homeowner can save a great deal of money in the long run.
Each individual homeowner must decide for him or herself if home mortgage refinancing is the right thing to do in their own situation. Many mortgage refinancing lenders offer a mortgage calculator on their website, so don’t be afraid to investigate your options. Interest rates are still low, but they are on their way up. If someone believes that mortgage refinancing could be beneficial to his or her financial situation, the time to move on that decision is soon. If a mortgage-refinancing loan can be beneficial to a homeowner now, the truth is that it is hard-to-say whether that benefit will still be there one year from now.
http://www.secureloanconsolidation.com/home_mortgage_refinance_loan.asp
When personal and financial circumstances change, some homeowners may begin looking into the possibility of a mortgage refinance loan. There are many reasons a person might need mortgage refinancing, but solving financial problems and home improvement are two of the most common reasons. Fortunately, a mortgage refinance loan is easy to apply for and the requirements to meet are minimal.
Mortgage refinancing means that the initial loan used to purchase the home is being paid off by the proceeds from a new loan. It might sound nonsensical to replace one loan with another; however, there are many reasons that mortgage refinancing could be to a homeowner’s benefit.
One reason a homeowner might choose mortgage refinancing is to save money on their monthly payment. When a person refinances, it may be possible to secure a lower interest rate and lower payments. This could result in the homeowner having additional funds to spend each month. These funds could be used to make improvements to the property or to cover the expensive university costs for a child.
Of course, saving money on interest every month equals saving even more money over the course of the next few years. Therefore, anytime a debt can be refinanced at a lower interest rate, it is a good idea to do so.
Another possible reason for mortgage refinancing is to change a variable interest rate into a fixed one. For example, there are mortgage loans that charge a very low interest rate. This may seem like a great deal at first, but if the current mortgage payment happens to be less than the interest the loan accrues, the balance of the loan will consistently increase. The result is that the homeowner is not making progress in paying off their mortgage; for the homeowner, this is kind of like running in place. Someone in this situation might want to look into mortgage refinancing with a fixed interest rate and set payments to ensure that they will one day be mortgage-free.
In order for a homeowner to get mortgage refinancing, they must first decide on a mortgage lender. Since there are numerous lenders to choose from, it is a good idea to do a little research and find the one who offers the best rate and/or loan package. There are different rules and fees associated with the many home mortgage refinance loans in the marketplace. Anyone considering mortgage refinancing should compare the various types of loans to determine which one will prove to be most beneficial in their particular situation. And one should not forget to consider all fees and charges connected to a loan, as part of the overall loan package.
The application for mortgage refinancing is a fairly simple procedure and can be done in person or online. Many institutions have set up online versions of their applications to make the approval process quicker and more convenient for the borrower. The application requires general information from the homeowner such as, name, address, age, etc. The lender will also need to know the loan amount being requested, the property value, and the estimated payoff on the current mortgage. With this information, the lender should be able to decide if mortgage refinancing is the best option.
If the loan looks possible, the lender will do a credit check. Good credit is the most important requirement in being approved for any loan including mortgage refinancing. Generally, if a person already owns a home, their credit will be pretty good. However, sometimes the reason a homeowner wants the mortgage loan refinance in the first place, is because they are having a hard time paying their bills. Mortgage refinancing may allow them to better manage their finances. For this reason, many lenders can justify mortgage refinancing for someone who may be viewed as having bad credit.
In today’s economy, there is a lot of movement with interest rates. Sometimes the changes are hard to keep up with. However, keeping an eye on mortgage rates can be very beneficial to a homeowner. While it is not advantageous to refinance a mortgage every time interest rates drop a half a point, it is a good idea to watch for significant decreases. Knowing if and when mortgage refinancing benefits a homeowner can save a great deal of money in the long run.
Each individual homeowner must decide for him or herself if home mortgage refinancing is the right thing to do in their own situation. Many mortgage refinancing lenders offer a mortgage calculator on their website, so don’t be afraid to investigate your options. Interest rates are still low, but they are on their way up. If someone believes that mortgage refinancing could be beneficial to his or her financial situation, the time to move on that decision is soon. If a mortgage-refinancing loan can be beneficial to a homeowner now, the truth is that it is hard-to-say whether that benefit will still be there one year from now.
http://www.secureloanconsolidation.com/home_mortgage_refinance_loan.asp
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