Mortgage Yield Spread

How Are Mortgage Rates Determined?

How are mortgage rates determined? The answer might surprise you.

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Typical Loan Origination Fee

If you’re refinancing here is what a Typical Loan Origination Fee should be so you won’t overpay.

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How to Get the Lowest Mortgage Payment When Refinancing Your Home Loan

There is a hidden fee that drives up your mortgage payment unnecessarily when refinancing, costing you thousands of dollars. Here’s what you can do about it.

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YSP Mortgage Broker Payment

Many homeowners don’t know how their mortgage broker is paid for the work they do arranging their home loans. Your Broker is compensated for their work from two sources; understanding how this compensation works will help you avoid paying too much for your next mortgage loan. Here are several tips to help you understand how […]

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Locking a Rate When Refinancing Your Mortgage

Locking in your mortgage rate can be a source of confusion and frustration for many homeowners. When and how do you lock in your mortgage rate? How do you know that your mortgage broker really locked in your rate? Mortgage rates change on a daily even hourly basis; if you miss the opportunity to lock […]

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