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July 5, 2011
Forbes recently ranked their list of top mortgage companies of the year. Surprisingly, they’re nearly all banks. As you might know from watching my free Underground Mortgage Videos, banks are exempt from the Real Estate Settlement Procedures Act and do not always have your best interests at heart when refinancing your mortgage. Banks routinely add [...]
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February 21, 2009
Here are several tips to help you avoid excessive points and fees when refinancing AND save you thousands of dollars in the process.
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January 9, 2008
If you are in the process of refinancing your mortgage you might encounter POC charges. POC stands for “Paid Outside of Closing” and is a fee paid to your mortgage broker. Why does your broker receive this money and should you be concerned about how it affects your mortgage rate? Here are several tips to [...]
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January 5, 2008
If you’re in the process of closing on a new mortgage loan to purchase your home or refinance an existing mortgage, you might find the paperwork provided confusing and misleading. You may have already received a copy of the Good Faith Estimate from your discount mortgage broker and are finding that the actual closing costs [...]
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November 25, 2007
Many homeowners have never heard of Yield Spread Premium and do not understand why their mortgage rate is marked up. Yield Spread Premium sounds complicated; however, once you understand why it’s there, you can avoid paying this unnecessary markup. Cutting the fat from your mortgage rate by as little as a quarter point can lower [...]
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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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