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Mortgage Refinancing Articles
Mortgage Refinancing
June 11, 2007
Understanding the basics of the mortgage refinancing process will help prepare you for choosing the right mortgage loan for your situation. The process of obtaining a mortgage can be complicated; however, the basics are simple to understand. The little bit of knowledge you learn today could save you thousands of dollars in unnecessary finance charges. [...]
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June 6, 2007
Private Mortgage Insurance (PMI) is an insurance policy that protects mortgage lenders from certain losses in the event of foreclosure on your loan. If you are refinancing your mortgage with less than 20% equity your lender may require that you purchase private mortgage insurance. PMI does absolutely nothing for the homeowner, it only protects the [...]
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June 5, 2007
Adjustable Rate Mortgages are as the name implies loans that have an interest rate that changes over time. You will often see these loans abbreviated as ARM loans. The interest rate you pay at any given time is based to two factors. The index your loan is tied to changes over time based on any [...]
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June 1, 2007
If you are in the process of refinancing your mortgage, comparison shopping can help you find a good lender; however, if you want the lowest possible mortgage rate you need to be prepared to negotiate. Most homeowners aren’t familiar with the difference between a wholesale and retail mortgage rate so here is a brief discussion [...]
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May 26, 2007
In recent years homeowners had little choice when refinancing their loans beyond the traditional 30 year fixed interest rate mortgage. Today, Adjustable Rate Mortgages offer a variety of choices for every financial situation. Personal finances in the United States are different today than in the past; homeowners move and change jobs much more frequently than [...]
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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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