How You Refinance Matters

5 Tips For Cutting Your Mortgage Refinancing Expenses

Robert Regehr — Thu, 09 Feb 2012 18:10:30 +0000

If you’re like six million other Americans looking to take advantage of the lowest refinance mortgage rates in sixty years, now is the time. The question of how good of a deal you’re getting isn’t about how low the new interest rate is, but how much you’re paying at closing. Here are five helpful tips [...]

5 Tips For Cutting Your Mortgage Refinancing Expenses is a post from Robert Regehr's Mortgage Refinancing Blog.

FHA Streamline Refinance Roadblocks Removed

Robert Regehr — Wed, 08 Feb 2012 18:06:58 +0000

There’s good news for homeowners with FHA backed mortgage loans. Today the FHA changed the qualifications to allow more homeowners to be approved for the FHA streamline refinance. If you’ve got an FHA backed home loan and have been wanting to take advantage of the lowest refinance mortgage rates in 60 years, you can now [...]

FHA Streamline Refinance Roadblocks Removed is a post from Robert Regehr's Mortgage Refinancing Blog.

How Mortgage Refinancing Can Earn You 7% Cash Back

Robert Regehr — Tue, 07 Feb 2012 18:09:41 +0000

Did you know investing in your home loan when mortgage refinancing can earn you 7% on the dollar? Factor in 30 years and that 7 percent adds up!

How Mortgage Refinancing Can Earn You 7% Cash Back is a post from Robert Regehr's Mortgage Refinancing Blog.

Top 5 Mortgage Refinancing Tips

Robert Regehr — Mon, 06 Feb 2012 16:33:36 +0000

Nearly 40% of homeowners in the United States are paying six percent or more on their home loans because they feel mortgage refinancing is out of reach. If you’re one of these homeowners or have been procrastinating because you don’t want to make a costly mistake, there are steps you can take to make sure [...]

Top 5 Mortgage Refinancing Tips is a post from Robert Regehr's Mortgage Refinancing Blog.

Should You Lock Your Refinance Mortgage Rates?

Robert Regehr — Sun, 05 Feb 2012 17:48:40 +0000

If you’re shopping for mortgage rates today from the best mortgage lenders like Amerisave, the topic of rate locks is going to come up. Should you, when, how long, and should you pay to lock your refinance mortgage rates are all valid concerns that could save or cost you a lot of money. Here are [...]

Should You Lock Your Refinance Mortgage Rates? is a post from Robert Regehr's Mortgage Refinancing Blog.

Cash In Mortgage Refinancing Is an Option

Robert Regehr — Sat, 04 Feb 2012 16:02:27 +0000

Here's how cash-in mortgage refinancing can help you take advantage of the lowest refinance mortgage rates in 60 years.

Cash In Mortgage Refinancing Is an Option is a post from Robert Regehr's Mortgage Refinancing Blog.

President Obama’s Broad Based Mortgage Refinancing Plan

Robert Regehr — Thu, 02 Feb 2012 21:30:12 +0000

President Obama’s Administration has provided details to the mortgage refinance proposal from the President’s State of the Union Address. The goal of the Administration is to help underwater homeowners take advantage of historically low refinance rates from the best mortgage lenders like Amerisave. Do you qualify? Here are the basics you need to know about [...]

President Obama’s Broad Based Mortgage Refinancing Plan is a post from Robert Regehr's Mortgage Refinancing Blog.

When Will You Break Even on Your Mortgage Refinance?

Robert Regehr — Wed, 01 Feb 2012 20:43:30 +0000

Any mortgage refinance is going to cost you cash out of your pocket. How do you know if you’re saving money or losing on the transaction? Calculating your mortgage refinance break-even point will allow you to quickly determine how long it’s going to take to recoup your out-of-pocket expenses and if you’re overpaying things like [...]

When Will You Break Even on Your Mortgage Refinance? is a post from Robert Regehr's Mortgage Refinancing Blog.

HARP 3.0 Is Coming & Promises to Save You $3,000

Robert Regehr — Tue, 31 Jan 2012 16:19:04 +0000

President Obama’s State of the Union address created a lot of buzz about the opportunity to save $3,000 with mortgage refinancing at historically low rates. The President promised to deliver legislation to Congress aimed at helping “responsible” homeowners qualify to refinance their homes. This new plan allows homeowners under Freddie Mac and Fannie Mae to [...]

HARP 3.0 Is Coming & Promises to Save You $3,000 is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing is Still a Better Option

Robert Regehr — Mon, 30 Jan 2012 22:04:46 +0000

Mortgage refinance rates have been at their lowest levels for years; however, millions of homeowners that could benefit from lowering their payment amount still have not refinanced. There are a number of reasons for procrastinating when it comes to mortgage refinancing; not understanding the difference between refinance and loan modification could be one. Mortgage Refinancing [...]

Mortgage Refinancing is Still a Better Option is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rates Today

Robert Regehr — Sat, 28 Jan 2012 16:56:17 +0000

Here are several of my best tips for finding the best mortgage rates today without paying unnecessary points or lender junk fees.

Mortgage Rates Today is a post from Robert Regehr's Mortgage Refinancing Blog.

Top 5 Mortgage Refinancing Tips

Robert Regehr — Thu, 26 Jan 2012 20:57:52 +0000

If you’re still paying on a six percent home loan, refinancing with one of today’s best mortgage companies could literally save you thousands of dollars. The trick when it comes to mortgage refinancing is to avoid souring the deal with unnecessary fees and markup. Before benefiting from low refinance mortgage rates you’ll need to break [...]

Top 5 Mortgage Refinancing Tips is a post from Robert Regehr's Mortgage Refinancing Blog.

Obama Refinance Plan Details Unclear

Robert Regehr — Wed, 25 Jan 2012 20:03:02 +0000

President Obama’s State of The Union Address last night proposed a plan to help save you $3,000 a year by clearing mortgage refinancing roadblocks. How the President plans to do this remains unclear. The President plans on giving any “responsible” homeowner access to today’s historically low refinance mortgage rates, which recently dipped below 4 percent [...]

Obama Refinance Plan Details Unclear is a post from Robert Regehr's Mortgage Refinancing Blog.

Can I Refinance My Home With No Equity?

Robert Regehr — Tue, 24 Jan 2012 22:31:27 +0000

If you’ve been procrastinating mortgage refinancing because your LTV is greater than 80%, you might be surprised by the options available to you. It is possible to qualify for mortgage refinancing without equity, even underwater; however, You may need to qualify through the FHA or under HARP. Here’ s an article on HSH.com with tips [...]

Can I Refinance My Home With No Equity? is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Ditch Your FHA Mortgage Insurance

Robert Regehr — Mon, 23 Jan 2012 17:42:47 +0000

No one likes paying for mortgage insurance (except your lender) on an FHA or any home loan for that matter. FHA mortgage insurance premiums drives up your monthly payment and your out-of-pocket expenses at closing. Sure there are many advantages to FHA backed home loans: you can purchase your home with little down and mortgage [...]

How to Ditch Your FHA Mortgage Insurance is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Mortgage Rates Rising Soon

Robert Regehr — Sun, 22 Jan 2012 15:53:49 +0000

Have you been putting off mortgage refinancing for one reason or another? According to industry analyst Dan Green, the conditions keeping refinance mortgage rates at such low levels will be soon coming to an end. If you’d like to take advantage of historically low refinance rates from the best mortgage lenders like Amerisave, now is [...]

Refinance Mortgage Rates Rising Soon is a post from Robert Regehr's Mortgage Refinancing Blog.

When Adjustable Rate Mortgage Refinancing Makes Sense

Robert Regehr — Sat, 21 Jan 2012 15:50:56 +0000

Considering Adjustable Rate Mortgage refinancing for your next home loan? This tip could save you thousands of dollars down the road.

When Adjustable Rate Mortgage Refinancing Makes Sense is a post from Robert Regehr's Mortgage Refinancing Blog.

Low Refinance Mortgage Rates Are Coming to an End

Robert Regehr — Fri, 20 Jan 2012 21:49:33 +0000

If you’ve been on the fence about mortgage refinancing you might consider taking advantage of today’s low refinance rates while you can. According to Dan Green of the Daily Mortgage Reports.com, refinance mortgage rates cannot maintain the low levels of the past eleven months. Here are Dan Green’s predictions for mortgage refinancing to help you [...]

Low Refinance Mortgage Rates Are Coming to an End is a post from Robert Regehr's Mortgage Refinancing Blog.

Six Steps to a Better Mortgage Refi

Robert Regehr — Thu, 19 Jan 2012 21:14:05 +0000

It’s no secret that mortgage refinance rates are at historical lows and they seem to be falling further every week. If you want the lowest refinance rates from the best mortgage companies without paying unnecessary fees it pays to do your homework. Here’s an article from MortgageLoan.com with six steps you can take to better [...]

Six Steps to a Better Mortgage Refi is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Mortgage Rates Fall Again

Robert Regehr — Wed, 18 Jan 2012 19:04:33 +0000

Fixed and adjustable refinance mortgage rates fell again today; if you’ve been on the fence about refinancing there is no better time than the present. Keep in mind that some of the refinancing rates you see advertised include hidden fees; however, investing a little time fee shopping can literally save you thousands of dollars out-of-pocket [...]

Refinance Mortgage Rates Fall Again is a post from Robert Regehr's Mortgage Refinancing Blog.

Adjustable Rate Mortgage Refinance Rates Dip Below Three Percent

Robert Regehr — Tue, 17 Jan 2012 21:40:02 +0000

If you’re considering taking advantage of today’s low refinance mortgage rates with the best mortgage lenders like Amerisave, you might want to take another look at Adjustable Rate Mortgage (ARM) loans. Interest rates for ARM refinancing have dropped below three percent and it’s actually cheaper to refinance than to allow your ARM to reset. Here’s [...]

Adjustable Rate Mortgage Refinance Rates Dip Below Three Percent is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing After Bankruptcy

Robert Regehr — Mon, 16 Jan 2012 17:18:52 +0000

If you think your bankruptcy is keeping you from taking advantage of today’s low refinance mortgage rates with the best mortgage lenders like Amerisave, it’s worth looking into once the appropriate amount of time has passed. There are steps you can take to reestablish credit history while you’re waiting to qualify. Here are the basics [...]

Mortgage Refinancing After Bankruptcy is a post from Robert Regehr's Mortgage Refinancing Blog.

7 Ways to Pay Less for Mortgage Refinancing

Robert Regehr — Sun, 15 Jan 2012 15:47:39 +0000

Mortgage Refinancing can lower your payment and slash the total cost of paying your home, unless you’re overpaying in the process. Getting the lowest refinance mortgage rates lenders like Amerisave are advertising can be tricky, and if you don’t manage to break even recouping your out of pocket expenses from taking out a new mortgage [...]

7 Ways to Pay Less for Mortgage Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

7 Ways to Raise Your Credit Score Before Mortgage Refinancing

Why Your Neighbors Get Lower Refinance Mortgage Rates Than You

Robert Regehr — Sat, 14 Jan 2012 16:51:22 +0000

Everyone wants the lowest refinance mortgage rates for their home but what if I told you that your neighbors are getting a better deal than you?

Why Your Neighbors Get Lower Refinance Mortgage Rates Than You is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Refinance Your Jumbo Mortgage Loan

Robert Regehr — Thu, 12 Jan 2012 21:50:32 +0000

Are you having trouble with mortgage refinancing because your home loan is about the conforming loan limit set by Fannie Mae and Freddie Mac? If this is the case mortgage refinancing is still possible; however, it’s going to be much more expensive when it comes to rates and fees. Here are several tips from HSH.com [...]

How to Refinance Your Jumbo Mortgage Loan is a post from Robert Regehr's Mortgage Refinancing Blog.

Freddie Mac Gives Unemployed Homeowners a Break

Robert Regehr — Wed, 11 Jan 2012 15:47:06 +0000

If you’ve been unable to take advantage of historically low mortgage refinance rates because you’re unemployed and are struggling to make your payments there’s good news from Freddie Mac. If your home loan is backed by Freddie Mac you can already get a payment forbearance; however, starting February 1st, 2012 Freddie Mac is doubling the [...]

Freddie Mac Gives Unemployed Homeowners a Break is a post from Robert Regehr's Mortgage Refinancing Blog.

Last Chance to Refinance Before FHA Mortgage Insurance Goes Up

Robert Regehr — Mon, 09 Jan 2012 22:15:50 +0000

If you’re considering refinancing with today’s best mortgage lenders using an FHA home loan, you should know that mortgage insurance premiums will be going up soon. Other fees for mortgage refinancing are also set to go up as Congress funded the payroll tax extension program with new mortgage fees. Here’s an article by Dan Green [...]

Last Chance to Refinance Before FHA Mortgage Insurance Goes Up is a post from Robert Regehr's Mortgage Refinancing Blog.

Don’t Punch Out Your Boss Before Closing

Robert Regehr — Sun, 08 Jan 2012 16:39:06 +0000

There’s a new mortgage refinancing approval process in town and if you get this wrong it could cost you that low refinance mortgage rate. Most of mortgage approval is common sense; however, as one broker points out you should avoid punching out your boss until after your refi is funded. Here’s an article by Dan [...]

Don’t Punch Out Your Boss Before Closing is a post from Robert Regehr's Mortgage Refinancing Blog.

Understanding Mortgage Rate Locks When Refinancing

Robert Regehr — Sat, 07 Jan 2012 15:49:02 +0000

If you’re refinancing your home to take advantage of today’s low refinance mortgage rates, the topic of rate locks is going to come up. Should you lock, when do you lock, and is there a fee for locking are all important considerations when mortgage refinancing. Here’s an article on MortgageLoan.com with the basic of refinance [...]

Understanding Mortgage Rate Locks When Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

Coming Soon: New Fees For Mortgage Refinancing

Robert Regehr — Fri, 06 Jan 2012 21:43:33 +0000

If you’re considering mortgage refinancing in the New Year it’s about to get more expensive to take advantage of historically low refinance mortgage rates. Continuing the tradition of creative financing in Washington, Congress is finding new ways to shake change from your pockets with a slew of new mortgage fees. Here’s an article on MortgageLoan.com [...]

Coming Soon: New Fees For Mortgage Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

How do I Refinance My Mortgage?

Robert Regehr — Thu, 05 Jan 2012 16:36:05 +0000

Here is the definite answer to the question How Do I Refinance My Mortgage without overpaying.

How do I Refinance My Mortgage? is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Mortgage Rates – Banks vs Brokers

Some Mortgage Refinancing Fees Are No Longer Negotiable

Robert Regehr — Wed, 04 Jan 2012 16:16:08 +0000

Are you looking to take advantage of the New Year’s low refinance mortgage rates to lower your monthly payment? It’s no secret refinance rates are at historically low levels and many insiders see them falling even lower in the New Year. The trick to taking advantage of your potential savings is to minimize your out-of-pocket [...]

Some Mortgage Refinancing Fees Are No Longer Negotiable is a post from Robert Regehr's Mortgage Refinancing Blog.

Strategic Mortgage Prepayment Saves You a Boatload of Cash

Robert Regehr — Tue, 03 Jan 2012 21:56:13 +0000

Is your new year’s resolution to get out of debt? Did you know that refinancing with today’s low refinance mortgage rates could help you accomplish this goal? Here’s an article from Dan Green of the Daily Mortgage Reports with several strategies for paying off your mortgage and saving a boatload of cash in the process: [...]

Strategic Mortgage Prepayment Saves You a Boatload of Cash is a post from Robert Regehr's Mortgage Refinancing Blog.

Who Are The Best Mortgage Companies For Your Next Home Loan?

Robert Regehr — Mon, 02 Jan 2012 18:23:07 +0000

Want the best mortgage companies for your refi without paying unnecessary lender fees? This simple tip could save you thousands of dollars.

Who Are The Best Mortgage Companies For Your Next Home Loan? is a post from Robert Regehr's Mortgage Refinancing Blog.

Your Mortgage Fees Are Going Up In 2012

Robert Regehr — Fri, 30 Dec 2011 19:06:59 +0000

If you’re considering mortgage refinancing with today’s best mortgage companies to take advantage of low refinance rates, it’s going to become more expensive in a few short weeks. This is because your elected government funded the payroll tax extension with fees on new mortgage loans, including refinance. Here’s what you need to know about the [...]

Your Mortgage Fees Are Going Up In 2012 is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Save $45,000+ Refinancing Your Mortgage

Robert Regehr — Thu, 29 Dec 2011 16:44:37 +0000

Did you know that Mortgage Refinancing with a 15 year term length can save you $45,000 in interest charges per $100,000 borrowed? According to Freddie Mac 40 percent of refinancing homeowners are choosing 15-year term lengths over the traditional 30-year fixed-rate mortgage. While it’s true your monthly payment will be higher, the long term benefits [...]

How to Save $45,000+ Refinancing Your Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

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How to Maximize Your Mortgage Interest Deduction

Robert Regehr — Wed, 28 Dec 2011 16:37:50 +0000

The New Year offers a time to reflect over the past twelve months and brings hope for the next twelve. January comes with a dark cloud on the horizon… tax time in April is a mere four months away and is the perfect time to start getting your financial ducks in a row. Here’s an [...]

How to Maximize Your Mortgage Interest Deduction is a post from Robert Regehr's Mortgage Refinancing Blog.

2012 Conforming Loan Limits

Robert Regehr — Wed, 28 Dec 2011 00:21:04 +0000

If you’re considering mortgage refinancing in the New Year and have a high dollar value home loan, the 2012 conforming loan limits are something you need to be familiar with. The difference between conforming refinancing mortgage rates and jumbo rates could be hundreds of dollars in your monthly payment. Here’s an article by Dan Green [...]

2012 Conforming Loan Limits is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Find the Best Mortgage Lenders

Robert Regehr — Sat, 24 Dec 2011 19:25:43 +0000

Are you searching for the best mortgage lenders without paying unnecessary fees and markup? Here are several of my best tips before you refi.

How to Find the Best Mortgage Lenders is a post from Robert Regehr's Mortgage Refinancing Blog.

Happy Holidays (But Remember to Pay Your Mortgage)

Robert Regehr — Fri, 23 Dec 2011 16:32:57 +0000

From everyone at RefiAdivsor.com, happy holiday wishes for you and your family. Just remember to pay your mortgage next month. It seems mortgage delinquencies spike after the Christmas holidays as many homeowners overdo their holiday indulgences and don’t have enough cash on hand come January to pay the bills. Here’s an article from MortgageLoan.com with [...]

Happy Holidays (But Remember to Pay Your Mortgage) is a post from Robert Regehr's Mortgage Refinancing Blog.

Benefits of VA Mortgage Refinancing

Robert Regehr — Thu, 22 Dec 2011 20:08:39 +0000

If you’re considering taking advantage of today’s low refinance rates and served in the military don’t overlook your eligibility for VA mortgage refinancing. You can refinance up to a 100% of your home’s value or 90% if you’re cashing out. Here’s an article on MortgageLoan.com with some of the pros and cons of your VA [...]

Benefits of VA Mortgage Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

Don’t Get Duped By Deceptive Refinance Mortgage Rates

Robert Regehr — Wed, 21 Dec 2011 22:36:48 +0000

Are you eyeing refinance mortgage rates waiting for the best time to take out a new home loan? You’ll want to be careful with the rate quotes lenders post, even Freddie Mac isn’t being completely honest with the mortgage rates being advertised. Here’s an article by Dan Green of the Mortgage Reports.com with several pointers [...]

Don’t Get Duped By Deceptive Refinance Mortgage Rates is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing vs Home Equity Loans

Robert Regehr — Tue, 20 Dec 2011 20:50:31 +0000

If you’re considering cash-out mortgage refinancing to take advantage of today’s rates, you might consider a home equity loan if your goal is to avoid paying fees. There are advantages and disadvantages to consider with any new home loan beyond paying closing costs. Here’s an article from HSH.com with several pros and cons of a [...]

Mortgage Refinancing vs Home Equity Loans is a post from Robert Regehr's Mortgage Refinancing Blog.

Should I Refinance If I Have No Cash For Closing?

Robert Regehr — Mon, 19 Dec 2011 20:58:04 +0000

If you’re been eyeing today’s low refinance mortgage rates but have no cash for closing, you might be considering one of those no fee refinance offers. Depending what your goals are for mortgage refinancing you can lower your monthly payment or reduce your long-term finance charges. Here’s an example from HSH.com to illustrate how mortgage [...]

Should I Refinance If I Have No Cash For Closing? is a post from Robert Regehr's Mortgage Refinancing Blog.

Doing Your Homework Before Mortgage Refinancing Can Save You Thousands

Robert Regehr — Sun, 18 Dec 2011 18:31:33 +0000

If you’re considering taking advantage of today’s low refinance mortgage rates from lenders like Amerisave, doing your homework first can save you thousands of dollars. According to the HUD Secretary, lack of mortgage knowledge is reason most Americans are overpaying for their home loans today. Here’s a list of recommended reading from MortgageLoan.com to make [...]

Doing Your Homework Before Mortgage Refinancing Can Save You Thousands is a post from Robert Regehr's Mortgage Refinancing Blog.

Overpaying The Loan Origination Fee Could Screw Up Your Refi

Robert Regehr — Sat, 17 Dec 2011 17:38:38 +0000

If you're considering refinancing the loan origination fee can make or break the deal you're getting. Here's what you need know to avoid overpaying.

Overpaying The Loan Origination Fee Could Screw Up Your Refi is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Cut Your Costs Mortgage Refinancing in 2012

Robert Regehr — Fri, 16 Dec 2011 21:37:54 +0000

Are you thinking about mortgage refinancing in 2012 to cut your expenses? Taking advantage of today’s low refinance mortgage rates can lower your monthly payment amount; however, overpaying at closing can make mortgage refinancing a losing proposition. Here are several tips from HSH.com on cutting your costs when refinancing your home: If one of your [...]

How to Cut Your Costs Mortgage Refinancing in 2012 is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing? Don’t Overlook Credit Unions

Robert Regehr — Thu, 15 Dec 2011 20:58:40 +0000

If you’re considering taking out a new home loan to take advantage of today’s refinance mortgage rates from lenders like Amerisave, don’t overlook credit unions, even if you’re not a member. Credit unions have nearly doubled their mortgage refinancing market share since 2007 and offer competitive refinance rates and fees. Here’s an article from MortgageLoan.com [...]

Mortgage Refinancing? Don’t Overlook Credit Unions is a post from Robert Regehr's Mortgage Refinancing Blog.

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Should I Refinance My Mortgage?

Robert Regehr — Wed, 14 Dec 2011 21:49:33 +0000

Are you struggling with the question should I refinance and want to avoid paying unnecessary lender fees? If you’re looking for advice from family, friends, or even your neighbors it’s worth noting that Fed Chairman Ben Bernanke recently jumped on the mortgage refinancing bandwagon. Here are several tips to help you answer the question should [...]

Should I Refinance My Mortgage? is a post from Robert Regehr's Mortgage Refinancing Blog.

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What Are Mortgage Refinancing Closing Costs?

Robert Regehr — Tue, 13 Dec 2011 18:38:12 +0000

If you’re considering taking advantage of today’s low refinance mortgage rates from lenders like Amerisave and Wells Fargo Refinance, you’re probably concerned about the fees you’ll pay at closing. Closing cost you can expect to pay mortgage refinancing come from three sources: your lender, third parties, and taxes. It’s important to ensure the lender and [...]

What Are Mortgage Refinancing Closing Costs? is a post from Robert Regehr's Mortgage Refinancing Blog.