How You Refinance Matters » mortgage broker tricks

Best Refi Rates Avoiding Hidden Markup

Robert Regehr — Tue, 14 Sep 2010 13:00:28 +0000

Here’s a little known mortgage secret to help you get the best refi rates without paying junk fees that you need to read about.

Best Refi Rates Avoiding Hidden Markup is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refi Secrets Revealed

Robert Regehr — Thu, 05 Aug 2010 16:56:50 +0000

The right mortgage refi loan can cut thousands of dollars worth of fat from your payment if you know how to avoid this unwanted markup and junk fees.

Mortgage Refi Secrets Revealed is a post from Robert Regehr's Mortgage Refinancing Blog.

Lowest Rates Mortgage Lenders

Robert Regehr — Sat, 30 Jan 2010 22:36:04 +0000

How to find the Lowest Rates Mortgage Lenders when refinancing your home without paying junk fees or markup.

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

Mortgage Rate Watch

Robert Regehr — Sun, 17 Jan 2010 19:44:48 +0000

Getting a wholesale mortgage rate will save you thousands of dollars when refinancing. Here's how to get one for your next home loan.

Mortgage Rate Watch is a post from Robert Regehr's Mortgage Refinancing Blog.

Wholesale Mortgage Loans

Robert Regehr — Sun, 08 Nov 2009 21:11:11 +0000

Wholesale Mortgage Loans can save you thousands of dollars every year. Here's how to get one.

Wholesale Mortgage Loans is a post from Robert Regehr's Mortgage Refinancing Blog.

The Secret to Getting the Lowest Mortgage Rates

Robert Regehr — Mon, 13 Jul 2009 00:51:58 +0000

If you're getting a mortgage what you don't know will hurt you. Here's what you should know before taking out your next home loan...

The Secret to Getting the Lowest Mortgage Rates is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rate Forecast

Robert Regehr — Sat, 06 Jun 2009 20:56:35 +0000

Can a mortgage rate forecast help you get the lowest rate or is predicting mortgage rates just a parlor trick?

Mortgage Rate Forecast is a post from Robert Regehr's Mortgage Refinancing Blog.

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Avoid These Refinance Traps

Robert Regehr — Thu, 21 May 2009 17:39:51 +0000

Avoid these Refinance Traps and you’ll save thousands of dollars in unnecessary mortgage junk fees every year.

Avoid These Refinance Traps is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Broker Tricks to Avoid

Robert Regehr — Wed, 13 May 2009 19:24:04 +0000

Your Mortgage Broker has a bag of tricks used to boost their commission at your expense. Here's how to avoid paying too much.

Mortgage Broker Tricks to Avoid is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Loan Origination Fees

Robert Regehr — Thu, 02 Apr 2009 17:43:15 +0000

Mortgage loan origination fees could cost you thousands of dollars unnecessarily; here’s how you can avoid a costly mistake with your home loan.

Mortgage Loan Origination Fees is a post from Robert Regehr's Mortgage Refinancing Blog.

Cash Out Mortgage Refinancing

Robert Regehr — Sat, 28 Mar 2009 23:24:03 +0000

If you're considering cash out mortgage refinancing here's how you avoid overpaying thousands of dollars in junk fees and markup.

Cash Out Mortgage Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

Negotiating Refinancing With Mortgage Brokers

Robert Regehr — Wed, 25 Mar 2009 19:45:45 +0000

If you are negotiating refinancing with your bank or mortgage broker here are several things you need to know to avoid a costly mistake…

Negotiating Refinancing With Mortgage Brokers is a post from Robert Regehr's Mortgage Refinancing Blog.

Best Refinance Interest Rate

Robert Regehr — Wed, 04 Mar 2009 18:32:40 +0000

Getting the best refinance interest rate can save you thousands of dollars if you avoid hidden markup and fees on your next mortgage loan.

Best Refinance Interest Rate is a post from Robert Regehr's Mortgage Refinancing Blog.

Best Mortgage Refinance Rates

Robert Regehr — Tue, 24 Feb 2009 05:31:31 +0000

You don't have to be a financial guru to get the best mortgage rates when refinancing your mortgage; here's how to get the best rates TODAY.

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

Mortgage Advice Today

Robert Regehr — Mon, 16 Feb 2009 17:23:38 +0000

Are you considering taking out a new mortgage to refinance your existing home loan? If you’re seeking advice online to help you find the best loan with the lowest possible mortgage rate there are a number of things you need to know in order to avoid paying too much when refinancing. Here are several mortgage [...]

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

Refinance Fees You Need to Avoid

Robert Regehr — Sun, 11 Jan 2009 20:49:33 +0000

If you are in the process of shopping for a home loan there are a number of Refinance Fees you need to avoid if you don’t want to overpay. Many of these fees are charged by the lender; however, there are several refinance fees that do nothing but line your mortgage broker’s pockets. Here are [...]

Refinance Fees You Need to Avoid is a post from Robert Regehr's Mortgage Refinancing Blog.

Par Mortgage Rates Definition

Robert Regehr — Thu, 01 Jan 2009 21:11:01 +0000

If you are considering refinancing your existing home mortgage loan a par mortgage rate could save you thousands of dollars every year that you have the mortgage. The problem is that all of the mortgage rate quotes you see online and from your local mortgage companies include some markup to create a commission for the [...]

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

Mortgage Refinancing During the Holidays

Robert Regehr — Wed, 24 Dec 2008 18:16:56 +0000

If you are refinancing your home mortgage this holiday season there are several things you need to know in order to avoid paying too much in fees and finance charges. While mortgage rates are at their lowest levels in 50 years there are a number of junk fees and mortgage broker tricks that can quickly [...]

Mortgage Refinancing During the Holidays is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Refinance Your Mortgage Without Getting Ripped Off

Robert Regehr — Fri, 19 Dec 2008 17:14:18 +0000

You may have heard on the news recently that mortgage rates are at a 50 year low and now is the perfect time to refinance your home loan. While its true rates are very low right now there a number of junk fees and mortgage broker tricks that can quickly turn that excellent mortgage rate [...]

How to Refinance Your Mortgage Without Getting Ripped Off is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Fees

Robert Regehr — Sat, 13 Dec 2008 21:20:31 +0000

If you are in the process of refinancing your home mortgage one of your concerns is undoubtedly paying too much in refinance fees for the new mortgage loan. How do you know which fees are garbage headed straight for your mortgage brokers pocket and which ones are absolutely necessary? Here are several tips to help [...]

Refinance Fees is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rate Quotes Online

Robert Regehr — Mon, 24 Nov 2008 00:05:01 +0000

If you’re taking advantage of the Internet to shop for mortgage quotes you’ve probably seen a wide range of fees and mortgage rates from one site to the next. Nothing changes with you from one site to the next why should the mortgage rate quotes you receive be so different? Here is your online mortgage [...]

Mortgage Rate Quotes Online is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing in Today’s Economy

Robert Regehr — Sun, 07 Sep 2008 18:39:02 +0000

Getting a lower mortgage rate is one of the main reasons people choose to refinance their home loans. If you are a homeowner with good credit you will not have any difficulty refinancing your home mortgage loan. On the other hand, if you have less than perfect credit you will have to put more effort [...]

Mortgage Refinancing in Today’s Economy is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Loan: Protect Yourself in a Down Economy

Mortgage Junk Fees Defined

Robert Regehr — Fri, 15 Aug 2008 20:56:04 +0000

Junk fees will not be a percentage of your loan amount but will show up as itemized charges ranging from $50 to $1,000 on your Good Faith Estimate and HUD-1 statement. These fees are mostly invented by your mortgage broker and vary from one shady broker to the next. Here are several tips to help [...]

Mortgage Junk Fees Defined is a post from Robert Regehr's Mortgage Refinancing Blog.

30 Year Mortgage Rates FAQ

Robert Regehr — Mon, 21 Jul 2008 21:59:37 +0000

If you’re in the market to refinance your home mortgage loan and search for 30 year mortgage rate information on the internet, you’re bound to find a lot of confusing and conflicting information. How do you sort through the obvious crap and find honest rate information that does not include needles sales markup like the [...]

30 Year Mortgage Rates FAQ is a post from Robert Regehr's Mortgage Refinancing Blog.

30 Year Mortgage Rates

Robert Regehr — Thu, 17 Apr 2008 20:43:46 +0000

If you are in the process of refinancing your home and are searching for information about mortgage rates there are several things you need to know about the rate quotes you receive. Most homeowners don’t realize that 90% of the rate quotes they receive from mortgage brokers and on the Internet include commission based markup [...]

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

YSP Mortgage Broker Payment

Robert Regehr — Mon, 03 Mar 2008 23:51:28 +0000

Many homeowners don’t know how their mortgage broker is paid for the work they do arranging their home loans. Your Broker is compensated for their work from two sources; understanding how this compensation works will help you avoid paying too much for your next mortgage loan. Here are several tips to help you understand how [...]

YSP Mortgage Broker Payment is a post from Robert Regehr's Mortgage Refinancing Blog.

Can You Break Your Mortgage Rate Lock?

Robert Regehr — Thu, 24 Jan 2008 17:14:26 +0000

Since mortgage rates have been in near freefall this week several people have asked me about breaking mortgage rate locks. Here’s the skinny you need to know about locking in your mortgage rate. Can you break your mortgage rate lock and walk away from the table at any time? While most mortgage brokers will tell [...]

Can You Break Your Mortgage Rate Lock? is a post from Robert Regehr's Mortgage Refinancing Blog.

How is Your Mortgage Broker Paid?

Robert Regehr — Mon, 14 Jan 2008 22:20:08 +0000

If you’re in the process of refinancing your mortgage with a broker, the answer to this question is important if you want to avoid paying too much for your new home loan. The compensation your broker receives for originating your mortgage is not only based on the fee you pay but includes a kickback from [...]

How is Your Mortgage Broker Paid? is a post from Robert Regehr's Mortgage Refinancing Blog.

P.O.C Mortgage

Robert Regehr — Thu, 10 Jan 2008 01:08:27 +0000

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 [...]

P.O.C Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Refinance With a Wholesale Mortgage Lender

Robert Regehr — Sat, 10 Nov 2007 19:13:53 +0000

If you are in the process of refinancing your mortgage, a wholesale mortgage lender can save you thousands of dollars. Many homeowners refinance with their bank or local mortgage company and don’t realize they are really getting a retail mortgage rate. Even Internet lenders offer retail mortgage rates to their customers. Finding the right mortgage [...]

How to Refinance With a Wholesale Mortgage Lender is a post from Robert Regehr's Mortgage Refinancing Blog.

Online Lenders and Mortgages

Robert Regehr — Thu, 08 Nov 2007 00:33:52 +0000

If you are considering a new mortgage to refinance your existing loan, the Internet can be an excellent resource for finding a new mortgage. The problem with using the Internet to find a lender is that there are always people trying to help themselves to your money in the process. Here are several tips to [...]

Online Lenders and Mortgages is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Broker Refinancing – Finding The Right Person For The Job

Robert Regehr — Thu, 18 Oct 2007 23:59:50 +0000

If you are considering using a mortgage broker to refinance your home mortgage loan, there are several things you need to know before choosing a broker. Mortgage brokers are very similar to used car salesmen as the more you pay the higher their commission will be. Mortgage lenders actually pay an incentive to brokers for [...]

Mortgage Broker Refinancing – Finding The Right Person For The Job is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing Common Sense

Robert Regehr — Sun, 14 Oct 2007 23:30:13 +0000

What’s a good reason for refinancing your mortgage loan? Is it always to get the lowest payment or are there other reasons for taking out a new home loan? Many people will tell you that you should “Never” refinance your mortgage unless the new mortgage rate is at least two percent lower than what you’re [...]

Mortgage Refinancing Common Sense is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Broker Compensation

Robert Regehr — Thu, 20 Sep 2007 00:37:12 +0000

Very few homeowners understand how mortgage brokers are compensated for their work. As a result, nearly everyone overpays in one form or another…mortgage brokers are very similar to used car salesman. Pressure sales tactics and improper disclosure of fees and markup are common tactics employed by mortgage brokers…so much that the Secretary of Housing and [...]

Mortgage Broker Compensation is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Loan Processing Fees: Junk or Not?

Robert Regehr — Thu, 13 Sep 2007 18:22:25 +0000

Mortgage loan processing is a confusing aspect of refinancing for many homeowners. Many mortgage brokers charge a fee as high as $500 or more; however, isn’t this just a junk fee? Many mortgages brokers justify their fee by saying they use a “professional loan processor” to process their files. First of all, what the heck [...]

Mortgage Loan Processing Fees: Junk or Not? is a post from Robert Regehr's Mortgage Refinancing Blog.

Good Faith Estimate Secrets

Robert Regehr — Tue, 11 Sep 2007 20:54:54 +0000

Your Good Faith Estimate is a disclosure document that is supposed to give you an estimate of various fees and costs associated with your mortgage. It is important to understand that the Good Faith Estimate is simply an estimate and does not have to accurately represent your total costs and fees when taking out a [...]

Good Faith Estimate Secrets is a post from Robert Regehr's Mortgage Refinancing Blog.

How to Refinance Your Home With The Right Mortgage Broker

Robert Regehr — Fri, 17 Aug 2007 18:18:28 +0000

Finding the right person to originate your mortgage can mean the difference between refinancing with a perfect loan and making an expensive mistake. Mortgage brokers work on commission just like a used car salesman; many rely on many of the same sales tactics. Here are several tips to help you find the right mortgage broker [...]

How to Refinance Your Home With The Right Mortgage Broker is a post from Robert Regehr's Mortgage Refinancing Blog.

Understanding Mortgage Refinancing Closing Costs

Robert Regehr — Fri, 22 Jun 2007 19:05:31 +0000

The majority of confusion homeowners have when refinancing their mortgages comes from closing costs. Many homeowners simply don’t know which closing costs are legitimate and what reasonable third party charges are. When refinancing your mortgage there are basically three ways to pay your closing costs. The most common and most expensive method for paying your [...]

Understanding Mortgage Refinancing Closing Costs is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Broker Tricks

Robert Regehr — Thu, 21 Jun 2007 20:54:39 +0000

Refinancing your home loan with a mortgage broker can help you find loan offers you wouldn’t find comparison shopping on your own. One big problem with mortgage brokers is that they are paid by commission and the loan that nets them biggest commission is probably the wrong loan for your situation. Another problem with mortgage [...]

Mortgage Broker Tricks is a post from Robert Regehr's Mortgage Refinancing Blog.