How You Refinance Matters » Mortgage YSP

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.

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 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.

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.

Mortgage Rates Predictions

Robert Regehr — Mon, 24 Mar 2008 00:56:46 +0000

Home mortgage rates are at near all time lows and many of you might be wondering how to predict when they will bottom out. Mortgage interest rates are extremely difficult to forecast; sometimes when the Federal Reserve lowers short term interest rates mortgage interest rates actually go up. Sometimes when the stock market takes a [...]

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

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How Mortgage Rates Work

Robert Regehr — Thu, 31 Jan 2008 21:57:57 +0000

Are you considering taking out a new mortgage to refinance you existing loan and want the lowest possible mortgage rate? Did you know that wholesale mortgage are available to the average homeowner who knows how to get them and can save thousands of dollars? Here are several tips to show you how rates are quoted [...]

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

How Do Adjustable Rate Mortgages Work

How is Your Mortgage Broker Paid?

Robert Regehr — Mon, 14 Jan 2008 22:20:08 +0000

If you’re in the process of refinancing your mortgage with a broker, the answer to this question is important if you want to avoid paying too much for your new home loan. The compensation your broker receives for originating your mortgage is not only based on the fee you pay but includes a kickback from [...]

How is Your Mortgage Broker Paid? is a post from Robert Regehr's Mortgage Refinancing Blog.

P.O.C Mortgage

Robert Regehr — Thu, 10 Jan 2008 01:08:27 +0000

If you are in the process of refinancing your mortgage you might encounter POC charges. POC stands for “Paid Outside of Closing” and is a fee paid to your mortgage broker. Why does your broker receive this money and should you be concerned about how it affects your mortgage rate? Here are several tips to [...]

P.O.C Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

Nationwide Home Mortgage Loan Company

Robert Regehr — Thu, 03 Jan 2008 21:56:00 +0000

If you are considering refinancing your mortgage with a nationwide home mortgage loan company, there are several things you need to know about the junk fees you’ll be paying. Nationwide mortgage companies like Countrywide are notorious for overcharging and taking advantage of their borrowers. Here are several tips to help you avoid paying too much [...]

Nationwide Home Mortgage Loan Company 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.

Mortgage Refinancing Advice You Need

Robert Regehr — Sat, 27 Oct 2007 19:53:55 +0000

If you are in the market for a new mortgage loan and are looking for refinancing advice to get the best deal for your new mortgage, the best bit of advice I can give you is to avoid paying Yield Spread Premium on your new loan. Never heard of Yield Spread Premium? Well you are [...]

Mortgage Refinancing Advice You Need is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing Common Sense

Robert Regehr — Sun, 14 Oct 2007 23:30:13 +0000

What’s a good reason for refinancing your mortgage loan? Is it always to get the lowest payment or are there other reasons for taking out a new home loan? Many people will tell you that you should “Never” refinance your mortgage unless the new mortgage rate is at least two percent lower than what you’re [...]

Mortgage Refinancing Common Sense 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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Mortgage Secrets

Robert Regehr — Fri, 05 Oct 2007 23:14:39 +0000

If you’re in the market for a new mortgage loan there are several things you need to know in order to avoid paying too much. Many of these so called “secrets” are things your mortgage lender and broker don’t want you to now and certainly don’t want to talk about. Here are several of the [...]

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

Mortgage Crisis Update

Robert Regehr — Tue, 02 Oct 2007 22:53:42 +0000

You’ve probably been hearing about the credit crisis in the mortgage industry recently and a number of people have been asking me what’s really happening. While it’s true the meltdown of the sub-prime or bad credit mortgage industry is affecting conventional mortgage lenders, the impact is not as bad as the gloom and doom you’re [...]

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

Loan Processing Fees

Robert Regehr — Fri, 28 Sep 2007 17:46:15 +0000

If you are in the process of taking out a new mortgage to purchase your home or refinance your existing mortgage, the fees you pay can make the difference between getting a great mortgage loan and paying too much. The fees on your Good Faith Estimate are often cryptic and many brokers leave the most [...]

Loan Processing Fees 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.

The Sky Is Not Falling…Yet

Robert Regehr — Thu, 23 Aug 2007 22:46:35 +0000

Unless you’ve been living under a rock you’ve probably heard about the recent credit crisis in the United States. Spurned by the collapse of the sub-prime or bad credit mortgage industry, and depending on which news channel you’ve been watching, you might have heard that there is no money for mortgage loans, that credit card [...]

The Sky Is Not Falling…Yet is a post from Robert Regehr's Mortgage Refinancing Blog.

No Fee Mortgage Refinancing

Robert Regehr — Tue, 21 Aug 2007 20:14:27 +0000

No fee mortgage refinancing sounds like a great deal; however, as most homeowners quickly learn, there are no free lunches when it comes to your mortgage loans. Most of the so called “no fee” mortgages you see advertised simply trade off a higher mortgage rate for the lender’s share of closing costs. Every mortgage has [...]

No Fee Mortgage Refinancing is a post from Robert Regehr's Mortgage Refinancing Blog.

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