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August 13, 2007
Refinancing your home mortgage loan can be an overwhelming experience for many people. New homeowners are bombarded with acronyms and jargon like APR, ARM, GFE…at times it can be too much to handle. Today I’m going to talk about the Annual Percentage Rate (APR) and the best way to comparison shop mortgage offers when refinancing. [...]
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August 10, 2007
Yield Spread Premium (YSP) is a concept every homeowner in America needs to understand; however, very few people know what it is or how to a avoid it when taking out a mortgage loan. According to the Secretary of Housing and Urban Development, Yield Spread Premium is responsible for homeowners in the United States overpaying [...]
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August 6, 2007
One of the best kept secrets of the mortgage industry is that your mortgage rate is marked up to give the loan originator a commission. This markup is what makes your mortgage interest rate “retail.” Most homeowners have no idea this has happened or what they can do to avoid the unnecessary markup. Here are [...]
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July 12, 2007
Most homeowners focus solely on finding the lowest mortgage rate when refinancing their home loans. While qualifying for the lowest refinancing mortgage rate will get you a lower payment and save you money, there are a number of other fees you should not overlook. Here are several tips to help you get the best refinancing [...]
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July 5, 2007
If you’re a homeowner shopping for the best refinance mortgage rates and not familiar with Yield Spread Premium you’ll want to read every word of this article. Learning about Yield Spread Premium and how to avoid this unnecessary markup of your mortgage interest rate will put you ahead of 97% of homeowners and save you [...]
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My name is Robert Regehr and I’m a personal finance blogger with a chip on my shoulder for banks and mortgage brokers that take advantage of my friends and neighbors.
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