How You Refinance Matters » Mortgage Yield Spread

How Are Mortgage Rates Determined?

Robert Regehr — Thu, 12 Nov 2009 01:29:00 +0000

How are mortgage rates determined? The answer might surprise you.

How Are Mortgage Rates Determined? is a post from Robert Regehr's Mortgage Refinancing Blog.

Typical Loan Origination Fee

Robert Regehr — Wed, 08 Jul 2009 20:48:35 +0000

If you’re refinancing here is what a Typical Loan Origination Fee should be so you won’t overpay.

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

How to Get the Lowest Mortgage Payment When Refinancing Your Home Loan

Robert Regehr — Thu, 07 May 2009 01:08:33 +0000

There is a hidden fee that drives up your mortgage payment unnecessarily when refinancing, costing you thousands of dollars. Here’s what you can do about it.

How to Get the Lowest Mortgage Payment When Refinancing Your Home Loan 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.

Locking a Rate When Refinancing Your Mortgage

Robert Regehr — Tue, 12 Feb 2008 18:04:49 +0000

Locking in your mortgage rate can be a source of confusion and frustration for many homeowners. When and how do you lock in your mortgage rate? How do you know that your mortgage broker really locked in your rate? Mortgage rates change on a daily even hourly basis; if you miss the opportunity to lock [...]

Locking a Rate When Refinancing Your Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rates – Secrets You Need to Know

Robert Regehr — Fri, 09 Nov 2007 21:03:32 +0000

If you’re in the process of refinancing your home mortgage loan, understanding how mortgage rate quotes work will help you recognize a good deal when you find one. In order to comparison shop effectively it is important that you know how loan originators work and how they are compensated. Here are several tips to help [...]

Mortgage Rates – Secrets You Need to Know is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Rates – What You Need to Know

Robert Regehr — Tue, 09 Oct 2007 23:53:47 +0000

If you’re shopping mortgage interest rates to purchase your home or refinance an existing mortgage there are several things you need to know to avoid paying too much for the loan. Here are several tips to help you qualify for the best mortgage rate without being taken advantage of in the process. Wholesale vs. Retail [...]

Mortgage Rates – What You Need to Know is a post from Robert Regehr's Mortgage Refinancing Blog.

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Insider Mortgage Secrets

Robert Regehr — Mon, 17 Sep 2007 19:02:45 +0000

If you are in the market for a new mortgage loan, doing your homework before applying can literally save you thousands of dollars and many headaches. The mortgage industry has earned a reputation for sleazy sales tactics rivaling the worst used car salesman; most mortgage brokers today only care about pulling in a six figure [...]

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

Dirty Little Mortgage Secrets

Robert Regehr — Mon, 10 Sep 2007 20:11:46 +0000

Yield Spread Premium or YSP is the best kept and most scandalous mortgage secret you’ll encounter as a homeowner. YSP is the premium that your lender pays to the mortgage broker for selling you a higher than necessary mortgage interest rate. The more you overpay when refinancing your mortgage, the higher your broker’s kickback from [...]

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

How to Spot Hidden Markup When Refinancing Your Mortgage

Robert Regehr — Thu, 26 Jul 2007 21:19:25 +0000

If you’re in the process of shopping for a new loan to refinance your existing mortgage, there are several things you need to know about the quotes you receive. Many homeowners don’t realize that mortgage loans are retail products and like anything else you purchase they’re marked up by the “middleman” for a profit. Here [...]

How to Spot Hidden Markup When Refinancing Your Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinancing Headaches

Robert Regehr — Fri, 20 Jul 2007 18:21:36 +0000

If you’re in the process of refinancing your home mortgage there are a number of expensive pitfalls you’re likely to encounter along the way. Doing your homework before refinancing will not only help you avoid refinancing headaches but save you thousands of dollars in the process. Here are several tips to help you avoid common [...]

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

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Colorado Home Mortgage Refinance Loan

Robert Regehr — Tue, 26 Jun 2007 19:37:18 +0000

If you are a Colorado home owner considering a new mortgage loan, there are several steps you can take to avoid paying too much when refinancing. Comparison shopping mortgage offers will only get you so far unless you know how to negotiate for wholesale mortgage rates. Here are several tips to help you refinance your [...]

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

Finding the Perfect Loan When Refinancing Your Mortgage

Robert Regehr — Mon, 11 Jun 2007 23:43:32 +0000

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. [...]

Finding the Perfect Loan When Refinancing Your Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

Comparison Shopping Mortgage Rates Online

Robert Regehr — Wed, 02 May 2007 00:09:11 +0000

Before refinancing your mortgage it is always a good idea to shop around for the best mortgage rate; however, unless you go about it correctly you will simply be choosing the best of the worst loan offers available to you. Here are several tips to help you comparison shop and close with the mortgage rate [...]

Comparison Shopping Mortgage Rates Online is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Home Mortgage Loan

Robert Regehr — Wed, 25 Apr 2007 23:38:25 +0000

Mortgage loans can be very confusing and there is an abundance of bad advice available on the Internet. Much of the mortgage information you find online is sales motivated and if you’re not careful you could wind up paying thousands of dollars unnecessarily. This is why doing your homework and carefully researching mortgage offers is [...]

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

Mortgage Brokers-Why to Avoid

Robert Regehr — Thu, 05 Apr 2007 01:03:24 +0000

If you are considering refinancing your home loan with a mortgage broker, you might want to reconsider. Mortgage brokers can be an excellent resource when refinancing; however, if you’re not careful you could find yourself overpaying thousands of dollars. Here are several reasons that you might reconsider refinancing your home loan with a mortgage broker. [...]

Mortgage Brokers-Why to Avoid is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Yield Spread

Robert Regehr — Fri, 30 Mar 2007 17:31:42 +0000

Yield Spread Premium is one of the least known, yet expensive mistakes homeowners make when refinancing a mortgage loan. Most homeowners have never heard of Yield Spread Premium, and if you agree to pay this markup of your mortgage interest rate when refinancing you will spend thousands of dollars unnecessarily. So what is Yield Spread [...]

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