How You Refinance Matters » refinancing basics

Amerisave Mortgage Review

Robert Regehr — Mon, 22 Aug 2011 22:06:40 +0000

Are you considering Amerisave Mortgage for your next refi? Here's my unbiased review to help you make an informed decision while avoiding junk fees.

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

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 Refinance Options

Robert Regehr — Sun, 10 Jan 2010 17:55:38 +0000

If you're considering your mortgage refinance options here are several tips that could save you as much as $1200 per year.

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

Free Refinancing Information

Robert Regehr — Wed, 02 Dec 2009 22:07:31 +0000

If you're in the market for refinancing a home loan you should be careful accepting free refinancing information to avoid overpaying.

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

Refinance Home Loans Online

Robert Regehr — Wed, 01 Jul 2009 20:46:26 +0000

If you're thinking about refinancing your mortgage loan on the Internet here are several valuable tips to help you avoid paying too much.

Refinance Home Loans Online 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.

Mortgage Rates Refinance

Robert Regehr — Wed, 11 Feb 2009 23:03:42 +0000

I’ve been getting a lot of questions lately about “Par” mortgage rates when refinancing. Most people haven’t heard of par mortgage rates and don’t know what they are; others have heard of par when their mortgage broker name drops “par” to make them think they’re getting a great deal. What are par mortgage rates? Should [...]

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

How to Refinance Your Second Mortgage Loan

Robert Regehr — Sat, 17 Nov 2007 21:12:20 +0000

If you are a homeowner struggling with the payments for your second mortgage loan, low mortgage rates could help you take back your budget by combining your first and second mortgage into one payment. When your home is secured by only one loan you will qualify for a lower mortgage rate which could result in [...]

How to Refinance Your Second Mortgage Loan is a post from Robert Regehr's Mortgage Refinancing Blog.

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Mortgage Refinancing and Adjustable Interest Rates

Robert Regehr — Thu, 25 Oct 2007 20:16:06 +0000

If you used an adjustable rate mortgage to purchase your home or are considering refinancing your existing loan with an Adjustable Rate Mortgage, there are several things you need to know to protect yourself from economic uncertainty. Many homeowners view Adjustable Rate Mortgages as an unnecessary financial risk and avoid them completely. Here are several [...]

Mortgage Refinancing and Adjustable Interest Rates is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinancing Mortgage Rates

Robert Regehr — Thu, 04 Oct 2007 22:39:54 +0000

Rather than looking at the big picture when refinancing their mortgages many homeowners obsess over interest rates without fully understanding how mortgage rates work. This creates a number of problems when refinancing including paying unnecessary fees and markup of your mortgage rate. Here are several tips to demystify mortgage rates and help you find the [...]

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

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Interest Only Mortgage Loans Explained

Robert Regehr — Fri, 14 Sep 2007 19:24:08 +0000

Interest-only mortgage loans are a source of confusion for many homeowners. If you need the lowest possible payment while minimizing your risk of payment shock, an interest-only mortgage could be your answer. Here are the basics you need to understand about interest-only Adjustable Rate Mortgages (ARM) to make an informed decision and minimize your risk [...]

Interest Only Mortgage Loans Explained 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.

When to Refinance Your Home Mortgage

Robert Regehr — Mon, 27 Aug 2007 20:01:12 +0000

Many homeowners wonder if timing is a factor when refinancing their mortgage loans. With all of the mortgage problems you hear about in the news is refinancing even a good idea? Here are several tips to help you decide if refinancing is right for your financial situation. Should You Refinance? The decision to take out [...]

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

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Is Interest-Only Mortgage Refinancing Right For You?

Robert Regehr — Wed, 15 Aug 2007 18:19:15 +0000

If you are considering refinancing your mortgage with an interest-only Adjustable Rate Mortgage, there are several things you need to know in order to make an informed decision before signing on the dotted line. Adjustable Rate Mortgages come with the risk of payment shock when your lender adjusts the interest rate. Payment shock means waking [...]

Is Interest-Only Mortgage Refinancing Right For You? 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.

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 Refinancing Company

Robert Regehr — Tue, 10 Jul 2007 18:21:45 +0000

If you’re in the market for a new home loan and looking for mortgage refinancing company, there are several things you need to know before applying. The most important thing you need to know about mortgage companies is that they are all retail outlets for home loans. What this means is that the mortgage company [...]

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

Refinance Two Percent Lower

Robert Regehr — Mon, 18 Jun 2007 16:37:57 +0000

If you’re considering refinancing your home mortgage you may have heard of the “two percent rule.” This rule states you should never refinance your mortgage unless the interest rate of the new loan is at least two percent lower than the mortgage rate on your existing loan. Is the two percent rule good advice? The [...]

Refinance Two Percent Lower is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing Yield Spread Premium

Robert Regehr — Fri, 15 Jun 2007 23:54:56 +0000

If you’re a homeowner considering a new mortgage, learning about Yield Spread Premium is well worth your time. If you unknowingly accept a loan that includes Yield Spread Premium you could overpay thousands of dollars every year you keep the loan. What is Yield Spread Premium? Simply put, it is interest rate markup by the [...]

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

Mortgage Refinancing Terminology You Need to Know

Robert Regehr — Mon, 04 Jun 2007 17:50:03 +0000

If you are in the process of refinancing your home loan, doing your homework can save you thousands of dollars. Learning mortgage industry lingo is an important part of doing your homework. If your loan representative perceives that you know what you’re doing (even if you don’t) they will be less like to try and [...]

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

How to Find the Perfect Mortgage When Refinancing

Robert Regehr — Wed, 30 May 2007 00:17:42 +0000

If you’re in the process of mortgage refinancing, comparison shopping will only get you so far. Most homeowners that focus their energy on comparison shopping simply end up with the best of the worst loan offers they consider. Here are several tips to help you negotiate for a mortgage rate that does not include Yield [...]

How to Find the Perfect Mortgage When Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing Pitfalls

Robert Regehr — Thu, 10 May 2007 00:18:29 +0000

If you are considering refinancing your mortgage there are a number of pitfalls that lead to overpaying. These problems range from not checking your credit before applying to accepting a mortgage that includes Yield Spread Premium. Here are several tips to help you avoid common mortgage mistakes. I. Carrying Too Much Debt One of the [...]

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

How to Qualify For the Best Mortgage Rate When Refinancing Online

Robert Regehr — Tue, 08 May 2007 00:07:33 +0000

Everyone loves a good deal and qualifying for the lowest mortgage interest rate can save you a pile of cash over the life of your mortgage loan. There are however, a number of problems that come up when refinancing online and if you’re not careful result in overpaying thousands of dollars. Here are several tips [...]

How to Qualify For the Best Mortgage Rate When Refinancing Online is a post from Robert Regehr's Mortgage Refinancing Blog.

Comparing Mortgage Rates Online

Robert Regehr — Wed, 18 Apr 2007 23:33:56 +0000

The Internet is an excellent resource for comparing mortgage rates. The only problem with online rate quotes is that unless you find mortgage companies and brokers that will not charge you Yield Spread Premium, the quotes you receive have been marked up unnecessarily. Here are several tips to help you compare mortgage rate quotes without [...]

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

Comparison Shopping for the Best Mortgage Loan

Robert Regehr — Tue, 20 Mar 2007 00:27:03 +0000

If you are refinancing your home mortgage, people might tell you to comparison shop until you drop to get a good deal. The problem with this advice is that all of the loan offers you compare include Yield Spread Premium. No amount of comparison shopping will help you avoid paying this markup until you learn [...]

Comparison Shopping for the Best Mortgage Loan is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing – The 2 Percent Interest Rate Rule

Robert Regehr — Fri, 09 Mar 2007 01:22:41 +0000

If you’re considering refinancing your home mortgage loan, you may have heard of the “2 percent rule of thumb.” This rule states that you should never refinance your mortgage unless the new mortgage rate is 2 percent lower than the mortgage rate you’re currently paying. The 2 percent rule is complete rubbish. The best way [...]

Mortgage Refinancing – The 2 Percent Interest Rate Rule is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinancing Basics

Robert Regehr — Tue, 06 Mar 2007 01:17:41 +0000

If you are in the market to refinance your mortgage loan, doing your homework and researching mortgage offers will help you avoid many of the mistakes other people make with their mortgage loans. Doing your homework means learning mortgage terminology and how mortgage companies and brokers make their money. The most important lesson you can [...]

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

Mortgage Refinancing Basics – What You Need to Know

Robert Regehr — Wed, 17 Jan 2007 23:46:32 +0000

If you are new to refinancing basics, doing your homework and researching a variety of mortgage lenders and brokers will help you avoid the majority of mistakes homeowners make with their loans. These mistakes often include choosing unfavorable loan terms, paying too high a mortgage interest rate, or agreeing to pay junk fees. Refinancing Basics: [...]

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