Mortgage & Refinancing Information

Selling Your Business Note


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

Are Biweekly Mortgages Really Worthwhile?


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

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


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

How Good a Deal Is Your Banks Mortgage Insurance Plan?


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

Total Cost Of Credit vs Monthly Payments


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

A New Choice for Home Financing: Correspondent Lenders


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

Housing Bill - Changes in the Right To Buy Scheme


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

Understanding a UK Commercial Mortgage


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

Understanding UK Bridging Finance


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

Free Home Equity Loan Information


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

Types of Home Equity Loans


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

Reasons To Get A Home Equity Loan


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

The Zero Down 80/20 Mortgage


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

Mortgage Prepayment Penalties - Just Say No


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

Student Home Purchase Plan


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

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Site: mortgage refinance - Google News
Mortgage applications jump 6.3% as borrowers rush to refinance - CNBC

CNBC

Mortgage applications jump 6.3% as borrowers rush to refinance
CNBC
Perhaps homeowners were scared by the recent jump in interest rates or by the expectation of higher rates ahead, but something sparked a jump in people applying for a mortgage refinance last week. Total application volume rose 6.3 percent for the week ...

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How to overcome the setback of mortgage reset when you refinance - Washington Post

Washington Post

How to overcome the setback of mortgage reset when you refinance
Washington Post
Did I make a mistake by refinancing my home loan three times over the past 20 years? My loan balance is at $100,000 from $130,000 after 20 years. I realize I lowered my rate a few times and my mortgage broker told me it was prudent if the rate dropped ...

Refinance rates ease for Tuesday - Bankrate.com

Bankrate.com

Refinance rates ease for Tuesday
Bankrate.com
Monthly payments on a 15-year fixed refinance at that rate will cost around $693 per $100,000 borrowed. That's obviously much higher than the monthly payment would be on a 30-year mortgage at that rate, but it comes with some big advantages: You'll ...

Weak mortgage income hurts US regional lenders - CNBC

CNBC

Weak mortgage income hurts US regional lenders
CNBC
Weak refinancing, thanks to higher interest rates, took a bite out off regional banks' earnings in the second quarter and loan growth remained sluggish, mirroring trends seen at larger banks. Mortgage banking income fell by double digits on a ...
Top 10 Hedge Funds Holding STI - Slide 1 of 10 - Holdings ChannelHoldings Channel
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Where Florida residents are saving the most on mortgage refinancing (Slideshow) - South Florida Business Journal

South Florida Business Journal

Where Florida residents are saving the most on mortgage refinancing (Slideshow)
South Florida Business Journal
The New York-based personal company analyzed data on pre- and post-refinance interest rates and the total balance of refinanced mortgages in every U.S. county for its findings. SmartAsset used data from the Mortgage Bakers Association and the Freddie ...

Reason to refinance: 4 million homeowners are leaving $1 billion on the table - CNBC

CNBC

Reason to refinance: 4 million homeowners are leaving $1 billion on the table
CNBC
Falling mortgage rates and rising home values are a tasty combination for homeowners, but millions are not biting because of the hassle of a refinance. Close to 4.5 million borrowers are eligible and have financial incentive to refinance, according to ...

Refinance rates tick lower for Thursday - Bankrate.com

Bankrate.com

Refinance rates tick lower for Thursday
Bankrate.com
Monthly payments on a 15-year fixed refinance at that rate will cost around $693 per $100,000 borrowed. That's clearly much higher than the monthly payment would be on a 30-year mortgage at that rate, but it comes with some big advantages: You'll come ...

and more »
Mortgage rates ease for Wednesday - Bankrate.com

Bankrate.com

Mortgage rates ease for Wednesday
Bankrate.com
These types of loans are best for those who expect to sell or refinance before the first or second adjustment. Rates could be substantially higher when the loan first adjusts, and thereafter. Monthly payments on a 5/1 ARM at 3.20 percent would cost ...
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Refinance rates move higher for Tuesday - Bankrate.com

Bankrate.com

Refinance rates move higher for Tuesday
Bankrate.com
Monthly payments on a 15-year fixed refinance at that rate will cost around $698 per $100,000 borrowed. Yes, that payment is much bigger than it would be on a 30-year mortgage, but it comes with some big advantages: You'll save thousands of dollars ...
How Much Cheaper Are Adjustable Mortgage Rates Than Fixed ...The Mortgage Reports (blog)

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Mortgage rates decrease for Monday - Bankrate.com - Bankrate.com

Bankrate.com

Mortgage rates decrease for Monday - Bankrate.com
Bankrate.com
Several closely watched mortgage rates fell today. The average rates on 30-year fixed and 15-year fixed mortgages both dropped. Meanwhile, the average rate ...

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