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Mortgage Refinancing Articles

March 2007

Mortgage Yield Spread

Yield Spread Premium is one of the least known, yet expensive mistakes homeowners make when refinancing a mortgage loan. Most homeowners have never heard of Yield Spread Premium, and if you agree to pay this markup of your mortgage interest rate when refinancing you will spend thousands of dollars unnecessarily. So what is Yield Spread [...]

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Mortgage Refinancing Terminology You Need to Know

I. Loan to Value Ratio (LTV) Your loan to value ratio is determined by dividing the amount of the mortgage you are requesting by the appraised value of your home. Suppose you are borrowing 100,000 to refinance your home appraised at $175,000; your loan to value ratio (LTV) in this case ($100,000 / $175,000 x [...]

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Ten Minute Mortgage Makeover

If you are the in the process of refinancing your home mortgage loan, doing your homework before applying for a new mortgage will help you avoid costly mistakes. There are number ways to overpay for a new mortgage loan; the most common is unknowingly paying Yield Spread Premium with your mortgage interest rate. Yield Spread [...]

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Need a Colorado Mortgage Broker? Check Out The Mortgage Insider

If you’re considering refinancing your mortgage in the State of Colorado, finding the right person to originate your mortgage loan can save you thousands of dollars and many future headaches. Robert Blake is a licensed mortgage broker in the State of Colorado and is fairly outspoken against Yield Spread Premium and bank mortgage loans on [...]

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How to Negotiate With Your Mortgage Broker

Mortgage Brokers can be an excellent resource for mortgage refinancing if you find the right broker to work with. Before entering into an agreement with a broker there are several important questions you need to have answered. The first thing you need to make clear to any potential mortgage broker is that you fully understand [...]

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