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Origination Fee and Points

Here’s how to pay less for your loan origination fee and closing costs when refinancing saving thousands of dollars in the process.

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How to Read Your HUD-1 Settlement Statement

If you’re in the process of closing on a new mortgage loan to purchase your home or refinance an existing mortgage, you might find the paperwork provided confusing and misleading. You may have already received a copy of the Good Faith Estimate from your discount mortgage broker and are finding that the actual closing costs […]

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Yield Spread Premium for Dummies

Many homeowners have never heard of Yield Spread Premium and do not understand why their mortgage rate is marked up. Yield Spread Premium sounds complicated; however, once you understand why it’s there, you can avoid paying this unnecessary markup. Cutting the fat from your mortgage rate by as little as a quarter point can lower […]

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Wholesale Mortgage Lenders

If you are in the market for a new mortgage either to purchase your home or refinance an existing loan, you might wonder if a wholesale lender could save you money. Most homeowners in the United States do not understand how the mortgage markets work and are unable to take advantage of wholesale rates even […]

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Three Day Rescission When Refinancing Your Mortgage

Most homeowners have heard about rescission but do not understand how it works. The three day rescission allows you time to review all of your documents after closing to make sure the loan you got is the mortgage you were promised. You have until midnight on the third day to cancel your loan for any […]

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