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Mortgage Refinancing Articles

Mortgage YSP

Yield Spread Premium or YSP is a fee paid by mortgage lenders for closing your home loan with a higher than necessary mortgage rate. Lenders pay this fee (kickback) because they know that home loans with higher than market interest rates bring them premium profits when your home loan is sold to investors on the secondary market. The problem with this hidden markup is that it costs you thousands of dollars per year unnecessarily; avoid it and you’ll get wholesale mortgage rates for your next home loan and keep more of your hard-earned cash. Here’s what you need to know to get started doing just that…

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Mortgage Refinancing Advice You Need

October 27, 2007

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 [...]

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Mortgage Refinancing Common Sense

October 14, 2007

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 [...]

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Mortgage Rates – What You Need to Know

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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Mortgage Secrets

October 5, 2007

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 [...]

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Mortgage Crisis Update

October 2, 2007

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 [...]

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