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Mortgage YSP

Mortgage Yield Spread Premium (YSP) is a little known fee paid by lenders to any mortgage loan originator (your broker) that locks or closes your mortgage refinancing home loan with a higher than necessary interest rate. Think of YSP as a kickback from the lender to your broker for overcharging you. The problem with YSP is that it drives up your payments by hundreds of dollars every month for the entire duration of your home loan, costing you thousands of dollars unnecessarily in just a few short years. The good news is that now you’ve identified this unnecessary markup of your mortgage rate you can avoid paying for it and refinance your home with wholesale rates. These articles will show you how to save thousands of dollars on your next home loan doing just that.

Mortgage Secrets Revealed

The mortgage industry has a dirty little secret that according to the Secretary of Housing and Urban Development will cost homeowners in the United States sixteen billion dollars this year alone. If you haven’t learned how to avoid this dirty mortgage secret you’re already paying too much. Here are several tips to help you avoid […]

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Mortgage Rates Predictions

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 […]

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Florida Mortgage Refinancing

If you are considering refinancing your mortgage and want the best Florida mortgage rates, there are several things you need to know about the rate quotes you receive. The quotes you receive over the Internet and from your mortgage broker all include commission based markup that could result in your overpaying thousands of dollars every […]

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Low Mortgage Rate Refinance

If you’ve decided to refinance your mortgage you might not know where to get started. Choosing the best lender for your home loan is important; however, finding a mortgage rate that does not include commission based markup will save you money…and more than you think. Here are the basics you need to know about low […]

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Mortgage Rate Refinancing

If you’re considering refinancing your home loan, finding the best lender is probably at the top of your to-do list for the loan. Finding the best lender will help you get the lowest mortgage rate refinancing your loan. Here are several tips to help you get the best mortgage rate refinancing your home without paying […]

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