How You Refinance Matters » Mortgage Loan Tutorial

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.

Beware Free Credit Report Dot Scam

Robert Regehr — Wed, 29 Jul 2009 02:26:02 +0000

It's important to check your credit reports before refinancing...just watch out for free credit report dot scams.

Beware Free Credit Report Dot Scam is a post from Robert Regehr's Mortgage Refinancing Blog.

Yield Spread Premium (YSP)

Robert Regehr — Sat, 27 Jun 2009 21:56:06 +0000

Yield Spread Premium is the most expensive mortgage pitfall you’ll encounter when refinancing your home. Here’s how to avoid paying too much.

Yield Spread Premium (YSP) is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rates Are Rising…Did You Miss Out?

Robert Regehr — Sat, 30 May 2009 19:59:37 +0000

Think it’s too late to refinance due to rising mortgage rates? Great deals are still available...here’s how to find one.

Mortgage Rates Are Rising…Did You Miss Out? is a post from Robert Regehr's Mortgage Refinancing Blog.

Should I Refinance

Robert Regehr — Wed, 27 May 2009 00:28:02 +0000

The answer to the question “Should I Refinance” might surprise you in an expensive way. Here’s why.

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

Bad Credit Mortgage Interest Rate

Robert Regehr — Sun, 17 May 2009 01:42:26 +0000

Are you concerned that a bad credit mortgage interest rate will prevent you from refinancing? The truth about mortgage rates may surprise you.

Bad Credit Mortgage Interest Rate is a post from Robert Regehr's Mortgage Refinancing Blog.

Compare Mortgage Refinance Rates

Robert Regehr — Sat, 09 May 2009 19:49:02 +0000

How do you best compare mortgage refinance rates to avoid markup and mortgage junk fees? The answer might surprise you.

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

How to Avoid Junk Fees When Refinancing

Robert Regehr — Sat, 02 May 2009 19:43:40 +0000

Avoiding mortgage junk fees sounds like a difficult task when refinancing but is easier than you think… here’s what you need to know.

How to Avoid Junk Fees When Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rates Information

Robert Regehr — Wed, 29 Apr 2009 18:29:50 +0000

Getting the right mortgage rate information can save you from a costly mistake… Here is what you need to know today.

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

Mortgage Refinancing Breakdown

Robert Regehr — Thu, 23 Apr 2009 19:11:16 +0000

A mortgage refinancing breakdown can help you avoid overpaying for your next home loan. Here's how.

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

Mortgage Help Now

Robert Regehr — Sun, 19 Apr 2009 02:38:39 +0000

If you're taking out a new home loan here is the mortgage help you need to avoid paying too much.

Mortgage Help Now is a post from Robert Regehr's Mortgage Refinancing Blog.

Home Mortgage Refinancing Rates

Robert Regehr — Fri, 10 Apr 2009 18:20:09 +0000

If you’re searching for the best Home Mortgage Refinancing Rates here are several things you need to know to keep that sweet deal from turning sour.

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

Mortgage Brokers Have a Dirty Little Secret

Robert Regehr — Mon, 06 Apr 2009 16:49:47 +0000

Your mortgage broker has a dirty little secret that could cost you thousands of dollars when refinancing your home; here is what you need to avoid overpaying.

Mortgage Brokers Have a Dirty Little Secret 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.

Home Mortgage Refinance

Robert Regehr — Sat, 14 Mar 2009 21:12:25 +0000

In the market to refinance your mortgage? There are hidden fees you need to avoid that could cost thousands... here's how.

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

Home Mortgage Refinancing

Robert Regehr — Wed, 11 Mar 2009 19:34:02 +0000

If you are considering mortgage refinancing here are several tips to help avoid paying too much for your next home loan.

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

Mortgage Refinancing in 2009

Robert Regehr — Sat, 07 Mar 2009 23:13:46 +0000

Deciding if mortgage refinancing is the right decision could save you from an expensive mistake; here are several tips to help you decide and save thousands in the process.

Mortgage Refinancing in 2009 is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Annual Percentage Rate

Robert Regehr — Wed, 18 Feb 2009 22:17:08 +0000

Are you in the market to refinance your existing mortgage loan? Do you find terms like APR, Mortgage Rate, and Points confusing and misleading? You’re not alone…most homeowners never fully understand what the Annual Percentage Rate is or how points affect their mortgage rate and closing costs. Here are several tips to help demystify mortgage [...]

Mortgage Annual Percentage Rate 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.

Today’s Mortgage Rates Refinance

Robert Regehr — Fri, 06 Feb 2009 20:01:58 +0000

Are you in the market to refinance your home mortgage and are searching for today’s mortgage rates? Before you do anything there are several things you need to know about the mortgage rate quotes you receive. Things are not as bad as you have been hearing in the news; however, it is very easy to [...]

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

Best Mortgage Rate 2009

Robert Regehr — Fri, 16 Jan 2009 19:58:58 +0000

If you’re considering refinancing your home mortgage loan and are looking for the best mortgage rate in 2009, there are several things you need to know in order to avoid overpaying for the new loan. Most homeowners have heard of mortgage junk fees but very few are familiar with the evils of Yield Spread Premium [...]

Best Mortgage Rate 2009 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.

Internet Mortgage Lenders

Robert Regehr — Fri, 26 Dec 2008 23:32:14 +0000

Considering Internet Mortgage Lenders to refinance your existing home loan? The Internet is an excellent tool for comparing loan offers; however, there are a number of hidden fees that could quickly turn that sweet Internet mortgage rate quote into a financial nightmare. Here are several tips to help you find the right Internet Mortgage Lenders [...]

Internet Mortgage Lenders 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.

Mortgage Refinancing and Your Loan to Value Ratio (LTV)

Robert Regehr — Fri, 19 Dec 2008 02:19:57 +0000

If you are considering mortgage refinancing, understating loan-to-value ratio could make the process less painful for you. Many homeowners glaze over at the “technical terminology” associated with mortgage loans like loan-to-value ratio and yield spread premium. If you are such a homeowner here are the basics you need to know about loan-to-value when refinancing your [...]

Mortgage Refinancing and Your Loan to Value Ratio (LTV) 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.

Refinance Mortgage Rates

Robert Regehr — Wed, 30 Jul 2008 17:27:45 +0000

If you are in the process of refinancing your home mortgage loan, getting a good deal from a reputable lender is probably at the top of your to-do list. The mortgage industry has suffered a major setback in the United States recently with lenders tightening their standards and cutting corners on loan offerings. In the [...]

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

Refinance Bad Credit

Robert Regehr — Wed, 25 Jun 2008 21:59:46 +0000

If you’re considering refinancing your mortgage and have less than perfect credit, there are steps you need to take before applying to improve your credit. Mortgage approvals are becoming more difficult these days even for homeowners with good credit. If you are going to have your application for refinancing approved you will need to improve [...]

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

How to Get a Wholesale Mortgage Lender

Robert Regehr — Mon, 25 Feb 2008 21:56:26 +0000

The first thing you should know about getting the best deal when refinancing your home loan is that you cannot bypass the middleman to get a wholesale rate. It doesn’t matter which wholesale lender you try and contact when refinancing…every lender has retail divisions that deal with the public. Here are the basics you need [...]

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

Four Tips to Lower Your Mortgage Payment When Refinancing

Robert Regehr — Thu, 07 Feb 2008 21:53:11 +0000

If you’re considering refinancing your mortgage there are a number of reasons for taking out a new home loan. Some people choose to refinance because of a financial hardship, others want to borrow cash against the equity in their homes; however, the most common reason is to get a lower monthly payment. Here are several [...]

Four Tips to Lower Your Mortgage Payment When Refinancing 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.

Interest Only Mortgages

Robert Regehr — Thu, 17 Jan 2008 23:09:15 +0000

If you are in the process of refinancing and are considering interest only mortgages, there are several things you should know to reduce your risk. Interest only mortgages are suitable for homeowners that need a low monthly payment for a short period of time; however, these loans are often abused by people who don’t understand [...]

Interest Only Mortgages is a post from Robert Regehr's Mortgage Refinancing Blog.

Understanding Mortgage Rate Quotes

Robert Regehr — Tue, 04 Dec 2007 00:04:49 +0000

The mortgage quotes you receive when shopping for a new lender do not give you the actual interest rate you qualify when refinancing. The rate quotes you get are “retail” mortgage quotes that include unnecessary commission based markup. Here are several tips to help you understand how mortgage rates are quoted so you can refinance [...]

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

Yield Spread Premium for Dummies

Robert Regehr — Sun, 25 Nov 2007 22:46:34 +0000

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 [...]

Yield Spread Premium for Dummies is a post from Robert Regehr's Mortgage Refinancing Blog.

FHA Secure Refinance

Robert Regehr — Sun, 11 Nov 2007 20:29:09 +0000

The FHA Secure mortgage program helps homeowners who are falling behind on their Adjustable Rate Mortgages and could be risking foreclosure. This program is currently limited to homeowners that purchased their homes with Adjustable Rate Mortgages scheduled to reset; however, it could be expanded in the future to include homeowners with Fixed Rate Mortgage loans. [...]

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

Mortgage Rates and Your Credit Score

Robert Regehr — Thu, 25 Oct 2007 00:44:19 +0000

If you are considering mortgage refinancing it is well worth your time to review your credit before you contact lenders. Your credit scores influences not only the type of mortgage products you will qualify, but how much each loan will cost you. Before applying for a new mortgage it is important to review your credit [...]

Mortgage Rates and Your Credit Score is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing Secrets

Robert Regehr — Thu, 06 Sep 2007 21:38:33 +0000

The mortgage industry is complicated and constantly changing. In order to get the best deal possible for your home it is important to understand how the market works and how lenders and loan originators make their money. In doing this you will be able to make educated decisions that affect your financial well-being. Mortgages loans [...]

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

FHA and VA Streamline Mortgage Refinancing

Robert Regehr — Tue, 28 Aug 2007 19:45:00 +0000

VA and FHA mortgages are government insured loan programs intended to help those with low income and veterans purchase homes. Because these loans are insured by the Federal government they have less risk for mortgage lenders allowing people that might not otherwise qualify to purchase homes. Traditional mortgage loans are also insured; however, they are [...]

FHA and VA Streamline Mortgage Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

FHA Streamline Refinance Definition

How to Pick a Lender When Refinancing Your Mortgage

Robert Regehr — Tue, 21 Aug 2007 00:19:56 +0000

Mortgage refinancing can be a confusing process for many homeowners. Mortgage loans are retail products like the appliances in your kitchen and refinancing is not so much choosinig a lender as picking a loan originator. Here are several tips to help you find a loan originator that won’t take advantage of you when refinancing your [...]

How to Pick a Lender When Refinancing Your Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

Is Fixed Rate Mortgage Refinancing Right For You?

Robert Regehr — Thu, 16 Aug 2007 22:32:22 +0000

If you’re in the process of refinancing your home mortgage, you might be wondering what type of interest rate is right for you. There are two basic types of mortgage rates to choose from when refinancing your home. In a previous article I discussed the pros and cons of Adjustable Rate Mortgages; today we’ll discuss [...]

Is Fixed Rate Mortgage Refinancing Right For You? is a post from Robert Regehr's Mortgage Refinancing Blog.

What Every Homeowner Should Know About Yield Spread Premium

Robert Regehr — Fri, 10 Aug 2007 20:16:46 +0000

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 [...]

What Every Homeowner Should Know About Yield Spread Premium is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinance Information

Robert Regehr — Tue, 07 Aug 2007 20:20:40 +0000

If you are a homeowner considering a new mortgage to refinance your existing loan, the process can be intimidating. No one wants to pay too much for anything and mortgage refinancing is no exception. You may have arrived at this site searching for “mortgage refinance information” and you’ve come to the right place. Here are [...]

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

How to Refinance with a Wholesale Mortgage Rate

Robert Regehr — Tue, 07 Aug 2007 00:07:07 +0000

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 [...]

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

Mortgage Refinancing for the First Time Homebuyer Part II

Robert Regehr — Wed, 01 Aug 2007 22:37:19 +0000

Continuing with my series on mortgage refinancing for the first time homebuyer I’ll pick up where I left off with mortgage terminology you need to know. If you missed part one you can catch up with Mortgage Refinancing for the First Time Homebuyer. Advanced Mortgage Terminology There are several terms related to key concepts you [...]

Mortgage Refinancing for the First Time Homebuyer Part II is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing for the First Time Homebuyer Part I

Robert Regehr — Tue, 31 Jul 2007 17:45:34 +0000

If you are a first time homebuyer considering a new mortgage loan the process of refinancing can be an intimidating proposition. No one wants to be taken advantage of by a greedy mortgage broker or pay more than they have to for the loan. Doing your homework before refinancing will help you avoid expensive refinancing [...]

Mortgage Refinancing for the First Time Homebuyer Part I is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Help When Refinancing

Robert Regehr — Mon, 09 Jul 2007 19:10:19 +0000

If you are homeowner considering whether or not to refinance your mortgage but don’t know how to get started, there are a number of things you need to know to avoid paying too much. This article will steer you in the right direction when deciding if a new mortgage is right for your situation; however, [...]

Mortgage Help When Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.