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Mortgage Yield Spread
November 9, 2007
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 [...]
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October 9, 2007
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 [...]
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September 17, 2007
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 [...]
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September 10, 2007
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 [...]
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July 26, 2007
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 [...]
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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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