|Mortgage & Refinancing Information|
Buying a Home when Rates go Up
Many people fret the rising tide of interest rates. You'll hear things like, "Did I miss the boat? Is it too expensive now to buy a home? How can I afford the house of my dreams? Maybe I should wait! Maybe I should just rent for a while! Maybe the rates will go down in a few weeks. "
Stop! Nonsense, I say!
I bought my first home at close to 9%. Buyers from the 80's told me I was getting in at a bargain, and anyway, who cares? I don't. I refinanced long, long, long ago. 9% is just a part of history now.
So, here's 5 important points you need to keep in mind, when the ebb and flow of interest rates, ebbs up, more than it flows down?
1. There's no better time, then NOW!
2. Long Term Investing
3. Creative Financing
4. Uncreative Financing
5. Buying a Home when Rates go Down
1. There's no better time, then NOW!:
I know it sounds cliché, but it's true. There's no better time to buy, then now. Why?
a) Because if rates are going up, then the law of supply and demand insists that the rising price of homes will likely slow down.
b) Since appreciation slows down when rates go up, this is an opportunity to buy at a perceived discount
c) Remember, rates fluctuate, and nothings forever. So, it's more important to get your darned foot in the door, right now. You can always refinance later, as rates ebb and flow back down. You'll still have the benefit of having gotten into the house, at a lower, discounted price, and you can then enjoy both a low rate when you refinance, alongside knowing that you got the house when prices slowed down, maximizing the gain when appreciation revs back up again.
See what I mean? Don't wait. It only gets more expensive. There's always, no better time, then NOW!
2. Long Term Investing:
If this is your first home, then you have to think beyond the next year or so, and move your frame of reference into a longer futuristic point of view.
a) Are you going to live in the same house, for at least 5 years?
b) Most of us would answer yes, therefore, you need to be more concerned with real estate in the long term, let's say beyond 5 years, and you need to be less concerned with the short term rise and fall of rates. You'll drive yourself nuts otherwise.
c) 5 years is a pretty solid range of time, for rates to go both up, and down. In other words, history proves that for the most part, you'll live through the ebb and flow of rising and falling rates, as a homeowner, and you know what? You'll survive; in fact, you'll thrive, because you'll enjoy a net gain in appreciation over the long term.
So rates go up and down in the short term, but in the long term, real estate always appreciates, and that means that homeowners always win.
3. Creative Financing:
This is the good stuff. When rates go up, opportunities abound. You see, many homeowners, builders, and developers, find themselves in more negotiable positions because of the laws of supply and demand. Surplus rises, and buyers slow down.
a) If financing is an issue, then you may be able to negotiate with the owner to carry the note, and completely bypass more conventional lending institutions.
b) If affordability is an issue, then perhaps you'll find many more re-sales out there, perhaps fixer-uppers, ready to negotiate for a lower price (Can you say, built in equity?)
c) If discounts and incentives are your game, then perhaps you'll locate some developers anxious to move inventory, with a flare for adding a rebate, or doing you're landscaping, or building that retaining wall you wanted.
The key here (and this is very important), is to find an excellent real estate agent. I can't stress enough, how important it is to have someone on your side, who understands the lay of the land. Don't go at it alone. Just go find someone knowledgeable, who you can trust, and who is ready and willing to roll up their sleeves, and go to work for you.
4. Uncreative Financing:
As of the writing of this article, rates are still very, very low. Anything below 7%, for a fixed rate, in my opinion, is totally workable.
a) Between 1979 and 1990, fixed interest rates ranged from 11% to 16% on average. This is highly unusual historically, of course, but it is an excellent benchmark, when you evaluate how good, or bad, things are right now.
b) So as you're exploring your choices, don't lose sight of the big picture. Getting your foot in the door is more valuable, then being left out in the cold.
c) One other important point. For all those homeowners that purchased in the 80s, do you think they're terribly concerned now about the ebb and flow of rates? Do you think they kept their 11% fixed rate loan, or do you think they refinanced when it dropped down to 6% (or paid the house off by now). I'd venture a guess, that virtually all of them; have a nice, hefty, bulky, attractive pot of equity sitting on their front porch step today.
5. Buying a Home when Rates Go Down:
When rates go down, of course, it's obvious that getting a loan and buying a house is extremely attractive.
a) But when rates go down, there is a lack of homes on inventory.
b) Can you say, "Non-negotiable", or "bidding war", or "oops, sorry?Already sold!"
c) When rates go down, the seller is in the driver's seat, and the buyer is running around with checkbook in hand, yelling "Where do I sign?"
Keep that in mind. Which would you prefer? Personally, I dislike high rates, but I LOVE being in the drivers' seat. I guess in the end, you've just got to work with whatever environment exists today. Any way you look at it, you can't stop and wait until the cards stack up in your favor. You just have to dive in, and get started. If you like to be creative, if you like opportunities, and if you like to be in the drivers seat then rising rates shouldn't bother you in the slightest. Renting is more of a crime to your finances, in the long run.
We've enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.
Publisher's Directions: This article may be freely distributed so long as the copyright, author's information, disclaimer, and an active link (where possible) are included.
Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.
Copyright 2005, by http://www.Loans-Directory.Org, This article is available in full format at: When Rates Go Up, Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services.
VA cash-out refinance: Don't get swindled by (equity) strippers! | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
VA cash-out refinance: Don't get swindled by (equity) strippers! | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
On December 20, 2018, the federal government created some protective guidelines for homeowners. These safety measures concern the cash-out VA refinance.
REAL ESTATE MATTERS: Reasons to refinance your mortgage Sarasota Herald-Tribune
Q: If you have a fixed rate mortgage, why would you ever want to refinance if you plan to stay in the home for duration of mortgage?A: That's a good question.
Prepayment activity hits 10-year low as mortgage refinancing decreases National Mortgage News
Continual declines in the refinance share of mortgage originations led to prepay rates dropping to their lowest levels since 2009, according to Black Knight.
Better Mortgage Launches Emergency Refinance Program to Help Government Workers Currently Furloughed or Working without Pay - Markets Insider
Better Mortgage Launches Emergency Refinance Program to Help Government Workers Currently Furloughed or Working without Pay Markets Insider
NEW YORK, Jan. 17, 2019 /PRNewswire/ -- Better Mortgage, one of the leading digital mortgage lenders in the U.S., today announced that it has launched a mor ...
Refinance mortgage rate slides for Friday Bankrate.com
Refinance rates were mixed, but one key rate tapered off. The average rate for a 30-year fixed-rate refinance trended down, but the average rate on a 15-year ...
Refinance rates retreat for Monday Bankrate.com
Multiple benchmark refinance rates tapered off today. If you're in the market for a mortgage, see how your payments might be affected.
Refinance mortgage rate moves higher for Monday Bankrate.com
Refinance rates were mixed, but one key rate trended upward. If you're in the market for a mortgage, see how your payments might be affected.
Refinance mortgage rate slides for Thursday Bankrate.com
Refinance rates were mixed, but one key rate declined. If you haven't locked a refi yet, see how your payments might be affected.
Cash-out mortgage refinancing: Hereâ€™s where homeowners are using it most Bankrate.com
Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ...
Refinance mortgage rate moves up for Friday Bankrate.com
Refinance rates were mixed, but one key rate advanced. If you're in the market for a home loan, see what that means for you.
Refinance mortgage rate moves higher for Saturday Bankrate.com
Refinance rates were mixed, but one key rate climbed. If you haven't locked a refinance yet, see what that means for you.
Refinance mortgage rate rises for Thursday Bankrate.com
Refinance rates were mixed, but one key rate climbed higher. If you're shopping for a mortgage, see what that means for you.
Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ...
Refinance mortgage rate falls for Tuesday Bankrate.com
Refinance rates were mixed, but one key rate dropped. The nationwide average for a 30-year fixed-rate refinance tapered off, but the average rate on a 15-year ...
Mortgage rate decline sparks refinancing demand in Capital Region - Greater Baton Rouge Business Report
Mortgage rate decline sparks refinancing demand in Capital Region Greater Baton Rouge Business Report
With mortgage rates falling to their lowest levels in eight months, some Capital Region residents are seizing their opportunity to refinance on their homes.
Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ...
Shutdown Impact Spreads: Government Furloughs Put Some Mortgage Deals In Limbo NPR
The partial shutdown of the federal government is causing some financial problems for furloughed workers who can't refinance their mortgages or buy homes ...
Refinance mortgage rates mixed for Tuesday Bankrate.com
Refinance rates were mixed today. If you're in the market for a refi, see how that could affect you.
The 4 most common mortgage and real estate scams and how to stop them Bankrate.com
In 2017 alone, 9645 victims reported real estate fraud, resulting in losses of more than $56.2 million, according to data from the Federal Bureau of Investigation's ...
Falling Mortgage Rates Lead to Surge in Refinance Activity Mortgageorb
A surge in refinance activity resulting from a drop in mortgage rates helped push mortgage application volume up 23% during the week ended Jan. 4, according ...
Refinance rates move higher for Friday Bankrate.com
Several key refinance rates were higher today. The nationwide average for a 30-year fixed-rate refinance cruised higher, but the average rate on a 15-year fixed ...
Why mortgage lending at Wells Fargo, Chase and Citi plunged MarketWatch
Mortgage lending at three of the country's biggest banks has fallen off a cliff as customers pivot to online-only options and stop refinancing.
Mortgage rates continue their slide, while the Fed raises its benchmark rate Washington Post
Mortgage rates continued their retreat, helped by volatility in the financial markets and weakened inflation expectations. According to the latest data released ...
Refinance rates retreat for Wednesday Bankrate.com
Multiple benchmark refinance rates were down today. If you're in the market for a refinance, see how your future mortgage payments could be affected.
6 Tax Breaks for Homeowners Yahoo! Finance News
Under the Tax Cuts and Jobs Act, which takes effect for tax filings for the 2018 calendar year, standard deduction increases will likely mean far fewer Americans ...
Dropping mortgage rates near levels that could lead to more refis National Mortgage News
Falling mortgage rates have reached the point where they are spurring speculation about a possible resurgence in refinancing, according to an FTN Financial ...
Refinance rates drop off for Monday Bankrate.com
Multiple benchmark refinance rates sunk lower today. If you're shopping for a refi, see how that could affect you.
Mortgage Rates Fall as Government Shutdown Rolls On â€“ Market Update Zing! Blog by Quicken Loans
It's Day 24 of the partial government shutdown, but inflation is low, as are jobless claims and mortgage rates. All that and more in Market Update!
Mortgage applications plummet nearly 10% to end 2018, despite lower rates CNBC
The numbers are surprising, given that homebuyers and homeowners looking to refinance could have taken advantage of lower interest rates.
Weekly mortgage applications fall 5.8% as stock market plunge unnerves potential buyers CNBC
Even with mortgage rates at the lowest level in three months, homebuyers are pulling away from the housing market. Mortgage application volume fell 5.8 ...
The Right Way to Tap Your Home Equity for Cash ConsumerReports.org
Millions of Americans are tapping their home equity for cash. That can be risky. Consumer Reports explains what to watch out for and how to choose the right ...
How Does the Mortgage Market Work? Zing! Blog by Quicken Loans
If you're in the market to purchase or refinance a home, you're probably being exposed to a whole range of information the average person doesn't think about ...
Mortgage rates retreat for Wednesday Bankrate.com
Several benchmark mortgage rates ticked downward today. If you're shopping for a mortgage, see how that could affect you.
Veterans Pay High Price as Lenders Push Cash-Out Home Loans Bloomberg
Eric Kandell is making his pitch to veterans. Wearing a red T-shirt, with the words â€śLow VA Ratesâ€ť emblazoned across his chest, he looks fit and muscular, as if ...
Nigeria Mortgage Refinance Company lists N11b bond The Nation Newspaper
The Nigeria Mortgage Refinance Company (NMRC) has listed its N11 billion 13.80 per cent Series 2 Fixed Rate Bonds on the Nigerian Stock Exchange (NSE), ...
How latest Fed rate decision affects rates on credit cards, mortgages, savings accounts USA TODAY
How the latest Fed rate hike affects what you pay on credit cards, mortgages, auto loans as well as your bank savings account.
Federal shutdown creating mortgage victims Miami Herald
When the government shuts its doors because of a funding brouhaha that pits the White House against Capitol Hill, who gets hit hardest among people needing ...
Government shutdown and mortgage applications: Will you get bitten? | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Government shutdown and mortgage applications: Will you get bitten? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
What's happening with the government shutdown and mortgage closings? Find out how you will (or won't) be affected.
Kenyaâ€™s Biggest Mortgage Lender Plans to Double Loans in Two Years Bloomberg
Kenya's biggest mortgage lender plans to double its home-loan business over the next two years by offering longer repayment periods, its chief executive officer ...
How the government shutdown is disrupting mortgage, real estate transactions Bankrate.com
As the U.S. government shutdown continues, federal workers aren't the only ones being impacted. Some homebuyers, along with lenders and real estate agents ...
Should I Buy Now or Wait Until I Have 20% for a Down Payment? Zing! Blog by Quicken Loans
If you're thinking about buying a house soon, there are no doubt plenty of questions that have crossed your mind. One of those questions is probably whether or ...
Black Knight: 550,000 Homeowners Regain Incentive to Refinance as Interest Rates Fall Slightly; Refinanceable Population Still Down Nearly 50 Percent from Last Year - PRNewswire
Black Knight: 550,000 Homeowners Regain Incentive to Refinance as Interest Rates Fall Slightly; Refinanceable Population Still Down Nearly 50 Percent from Last Year PRNewswire
The average interest rate on a 30-year fixed mortgage fell to 4.55 percent on Dec. 27, 2018, returning interest rate incentive to refinance to approximately ...
TRANSACTIONS: Arbor secures $156M in loans, Meridian arranges $10M on 81st Street - Real Estate Weekly
TRANSACTIONS: Arbor secures $156M in loans, Meridian arranges $10M on 81st Street Real Estate Weekly
Select Commercial Funding announced the below closed transactions. All loan transactions were negotiated by Stephen A. Sobin, president and founder of ...
Mortgage apps post sharp rebound as rates fall Mortgage Professional America
Mortgage applications increased during the week ending Jan. 4 as rates fell across the board, according to the Weekly Mortgage Applications Survey released ...
Closely watched mortgage rate up for Tuesday Bankrate.com
Mortgage rates showed no clear direction today, but one key rate ticked up. If you're in the market for a home loan, see how that could affect you.
Mortgage refinance applications hit 18-year low CNBC
Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ...
Not Everyone Benefited from Lower Interest Rates During the Great Recession Kellogg Insight
In times of economic crisis or looming recession, the Federal Reserve can lower interest rates to incentivize borrowing and, therefore, spur economic growth.
Another Dim Outlook for Refinancing Mortgage News Daily
Refinancing activity has probably held up better than expected as interest rates have risen. Refinance applications accounted for more than 40 percent of the ...
CFPB Assesses Ability-to-Pay and Qualified Mortgage Rule The National Law Review
Consumer Financial Protection Bureau CFPB assesses Ability-to-Repay and Qualified Mortgage Rule pursuant to Dodd-Frank Act review.
Cronheim Mortgage Secures $11.5M Refinancing for Office Portfolio in New Jersey REBusinessOnline
SOUTH PLAINFIELD, N.J. â€” Cronheim Mortgage has secured an $11.5 million loan to refinance a four-building office portfolio within the Middlesex Business ...
9 Housing and Mortgage Trends to Watch for in 2019 MarketWatch
It's going to be a challenging year for home buyers in 2019: They will continue to compete for a short supply of homes. Home prices and mortgage rates are ...
Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes Credible News
Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.
Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ...
2018 proved to be better for Better as loan volume tripled Mortgage Professional America
Digital lender saw origination volume grow to $1.34 billion.
Weekly refinance demand plummets as mortgage rates hit a 5-week high CNBC
A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...
Mortgage applications fall, as refinancing hits 20-year low CNBC
A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.
Refinancing activity in the US just plunged to the lowest level in over a decade Business Insider
Refinancing activity plunged to the lowest level since 2000 as interest rates rise.
Masshousing provides $50 million for the refinancing and renovation of the 489-unit Chestnut Park Apartments in Springfield - Multihousing Pro magazine
Masshousing provides $50 million for the refinancing and renovation of the 489-unit Chestnut Park Apartments in Springfield Multihousing Pro magazine
MassHousing is providing $50 million in affordable housing financing to Related Companies, to refinance and renovate the Chestnut Park Apartments in ...
Factors to weigh when considering whether to refinance your home Washington Post
REAL ESTATE MATTERS | If you can lower your interest rate, that's good. But you also have to look at your monthly payment. Will your new monthly payment be ...
How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ...
D.C. Delinquent: Chasing Down D.C.'s Worst Offenders for Bad CMBS Debt Commercial Observer
The D.C. metro area has the highest CMBS delinquency rate in the country, with 4.59 percent of its structured finance loans late to pay.
Recession coming? Take these steps to protect yourself now | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Recession coming? Take these steps to protect yourself now | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
Recent economic data indicate that a recession may be in the offing for 2019. How do the experts see a recession coming? The signs are there.
Mortgage rates decline for Tuesday Bankrate.com
Multiple key mortgage rates sunk lower today. If you're in the market for a home loan, see what that means for you.
Refinance mortgage rates mixed for Saturday Bankrate.com
Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.
Brookfield secures $635M refinancing package at New York Times Building The Real Deal Magazine
Four lenders are teaming up to provide $635M to refinance the portion of the New York Times building now owned by Brookfield Asset Management, city records ...
How To Win A Slice Of $1 Million To Pay Off Your Student Loans Forbes
Natty Light is stepping up its commitment to help reduce student loan debt - including potentially yours. Natty Light (a light beer also known as Natural Light and ...
Mortgage rates move down for Monday Bankrate.com
Several benchmark mortgage rates receded today. See what that means for you if you're in the market for a home loan.
Refinance mortgage rate falls for Friday Bankrate.com
Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected.
3 Signs You Should Refinance Your Mortgage The Motley Fool
Refinancing at the right time can save you thousands of dollars a year.
Credible Expands Their Marketplace Into Mortgage Refinancing Lend Academy
Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...
U.S. import prices fall; year-on-year drop largest since 2016 Nasdaq
Import prices fall 1.0 percent in December; Core import prices unchanged; Export prices drop 0.6 percent.
How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ...
When to refinance: I need to lower my mortgage rate or payment | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
When to refinance: I need to lower my mortgage rate or payment | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
If you're wondering when to refinance, consider your objectives and see if you'll pay less interest, reduce your payment, or lower your overall costs.
When Is a Cash-Out Refinance Loan a Good Idea? U.S News & World Report Money
In a cash-out refinance mortgage, you take a loan against your home in excess of what you owe, leaving you with cash available to spend. Adding to the debt ...
With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls.
Mortgage rejections soar 400% as credit crunch bites MacroBusiness
By Martin North, Principal Analyst at Digital Finance Analytics: The latest data from our surveys indicates that around 40% of loan applications for mortgages ...
Refinance rates drop for Thursday Bankrate.com
Several closely watched refinance rates trended down today. If you're shopping for a refinance, see how that could affect you.
Refinance mortgage rates mixed for Friday Bankrate.com
Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.
Refinance mortgage rate ratchets higher for Thursday Bankrate.com
Refinance rates were mixed, but one key rate climbed. If you're shopping for a mortgage, see how your payments might be affected.
How are mortgage applications affected by property prices? - Surf Coast Times TIMES NEWS GROUP
Whether it's cause or effect, property prices have also dropped in line with increased background checks and the decrease in interest-only loans. IF you're ...
Refinance mortgage rate eases for Thursday Bankrate.com
Refinance rates were mixed, but one key rate dropped. If you're in the market for a mortgage, see how your payments might be affected.
Mortgage application activity rises on uptick in refinance volume National Mortgage News
An increase in refinance activity in the period after Columbus Day drove mortgage applications 4.9% higher from one week earlier, according to the Mortgage ...
Rates Are Rising, But Is It Time To Refinance? Five Scenarios To Consider Forbes
If any of these scenarios apply to you, you may want to look into refinancing.
Best cash-out refinance lenders 2019 | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Best cash-out refinance lenders 2019 | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
If you want to pull equity out of your home in 2019, check out this list of best cash-out refinance lenders. Because mortgage rates and costs for cash-out ...
What the government shutdown means for New Jersey agencies NorthJersey.com
Travelers could face long lines at Newark Airport because of TSA employees calling out sick, and the Paterson Great Falls visitor center is closed.
US Bancorp (USB) Q4 2018 Earnings Conference Call Transcript Motley Fool
USB earnings call for the period ending December 31,2018.
Refinance mortgage rate drops for Friday Bankrate.com
Refinance rates were mixed, but one key rate were down. If you haven't locked a refi yet, see what that means for you.
Texas cash-out refinance: new laws you need to know | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Texas cash-out refinance: new laws you need to know | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
Cash-out refinance Texas rules for homeowners in Texas. Texas cash-out refinancing is different from other states and you'd better know the rules before taking ...
Refinance mortgage share falls back to 2018 low National Mortgage News
As mortgage rates recently hit their highest point in seven years, closed refinances fell back to their low point of 2018, according to Ellie Mae.
Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First Forbes
Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...
Rocket Mortgage Review Bankrate.com
Rocket Mortgage from Quicken Loans lets you apply for a mortgage in minutes using nothing more than a smartphone app.
Refinance mortgage rates mixed for Monday Bankrate.com
Refinance rates were mixed today. See what that means for your refi.
Refinance rates tick lower for Thursday Bankrate.com
Several key refinance rates declined today. See what that means for your refinance chances.
Do mortgage lenders have minimum mortgage amounts? | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Do mortgage lenders have minimum mortgage amounts? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
Are there minimum mortgage amounts to buy or refinance a home? Not according to most official program guidelines, but most lenders do set minimum amounts ...
Refinance mortgage rate ratchets higher for Friday Bankrate.com
Refinance rates were mixed, but one key rate increased. The average rate for a 30-year fixed-rate refinance advanced, but the average rate on a 15-year fixed ...
How to cut annual payments on a $1m mortgage by $18,000 The Australian Financial Review
A property buyer with a $1 million loan can cut annual repayments by about $1500 a month â€“ or nearly $18,000 a year â€“ by switching to one of dozens of cheap ...
How Long Does It Take to Refinance a Mortgage? Realtor.com News
How long does it take to refinance a mortgage? Refinancing should take anywhere from 30 to 45 days on average, although that can stretch to 60 days if you hit ...
Refinance mortgage rate eases for Saturday Bankrate.com
Refinance rates were mixed, but one key rate slid lower. If you're shopping for a refi, see how your payments might be affected.
Refinance mortgage rate trends higher for Tuesday Bankrate.com
Refinance rates were mixed, but one key rate advanced. If you're shopping for a home loan, see what that means for you.
Best Mortgage Lenders Bankrate.com
The best mortgage lender isn't the same for everyone.That's why we compiled a list of best mortgage lenders for first time home buys to those looking for their ...
Why Choose a Home Improvement Loan?
Many people choose to take out home improvement loans so they can give their house a new look before selling.Home Improvement Loans can help you if you have been considering doing some home improvements to your home and have now decided to look for a loan to turn those home improvement ideas into reality.
The Best Tactics for Getting a Quick Homeowner Loan
Trying to find a quick homeowner loan can seem difficult at times, especially considering the days or even weeks that it can take for some banks and other lenders to approve or deny a loan.The worst part is that if you're denied your loan, then you have to start over at another bank and go through the same wait again!Luckily, there are other options available that speed up the process of getting a quick homeowner loan? you just have to know where to look for them.
Top 10 Things to Consider on Home Loans
Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of Loans-Directory.Org:Down-PaymentFixed Versus Adjustable RateAPRLoan TypesLoan Amount Qualification, IncomeLoan Amount Qualification, ExpensesEmployment and Credit HistoryPointsSub-Prime LoansShort-Forms1.
Need a Mortgage, Refinance or Equity Loan? Learn What it Takes, Before Applying
Do you know what it takes to qualify for mortgage and refinance loans? There are several factors involved with qualifying for a purchase, refinance or equity line of credit, and having an in-depth understanding of these could make the difference in you being accepted or turned down by a bank loan officer.Here are some things loan underwriters use in seeing if you qualify for a loan: your credit rating; your income; the amount you wish to borrow vs.
Looking for home mortgage loans can get confusing with the alphabet soup of mortgage loans programs available today. Most of these programs are just variations of fixed rate and adjustable rate mortgage loans.
The Power of a Home Equity Loan to Pay Down Debt
Households across the country are finding themselves in a similar situation. They lack the financial funds to make the necessary changes to their home and need to find a way to fund upgrades and eliminate debt.
If you fall behind in your mortgage payments, you face the threat of foreclosure.Foreclosure means your lender can take over your home, and you must move out.
Is the Inverse Mortgage a Scam? New Program Promises Mortgage Payoff inside of 5 Years
If a mortgage could be paid off in five years or less, without it costing homeowners an extra cent, why wouldn't every homeowner in America be doing it? Because they don't know, or because they're too wise? Although the former may be the case for many, I certainly hope the latter is the answer for most.A real estate finance consultant company, who shall remain nameless here, claims it has the secret to paying off your mortgage in five years or less, without you paying any more on your monthly payment or adding to the principal mortgage of your real estate loan.
Residential Mortgages - a Step Ahead on the Property Ladder
Doesn't Residential mortgage give the impression that they are a different breed of mortgages? They are often thought at the first instance to be a complex term, which they aren't. They are actually the regular mortgages that we hear of so often.
Refinancing Your Mortgage Can Open Up A Lot Of Options For You And Your Family
It can happen to anyone, the roof is leaking, the credit card bills are pilling up and it is almost time for a new car. But where are you going to get the money to do all of these things? The need for extra cash can be very frustrating and worrisome, however if you are a home owner you have a variety of financial options available to you that you may not even be aware of.
Using a Mortgage Refinance Company Online
Online mortgage companies make refinancing convenient and competitive. By researching mortgage rates and lenders online, you can be assured that you have the best refinancing rates.
Home Construction Loans
You can maximize your savings by shopping for a lender that can provide you with a combination loan. The combination loan starts as a construction loan.
To Refinance or not to Refinance -- Here is the Answer
I have written many articles on refinancing a fixed rate mortgage to an adjustable rate mortgage. I have helped people cut as much as $800 off their monthly payments by turning their high fixed rate mortgage loan into a much lower ARM.
Option One Mortgage Loans - Getting an Option ARM or Option One Mortgage Loan
Have you heard about or been interested in finding out more about option one mortgage loans? They are becoming very popular, but its important to understand how they work before you apply for one. I will describe, in this article, an overview of the most common type of option ARM mortgage loan or option one mortgage loan.
Home Equity Increases $1 Trillion in Five Years - Is the Market Peaking?
A new survey reveals that in the last five years, the equity in the California real estate market has increased by more than one trillion dollars. A trillion dollars is a large number to ponder, but put in concrete terms, it can be represented by a stack of one hundred dollar bills that is six hundred thirty one miles high! This astronomical increase in California home values isn't all that unique, however.
Getting The Best Home Equity Loan
Owing to the popularity of home equity loans, there are numerous lending agencies offering a variety of mortgage products. A bad choice of mortgage can lead to disastrous effects, as there is a risk involved of foreclosure and losing one's home.
Non-conforming Home Loans vs Conforming Loans
The simple definition of a "non-conforming home loan" is: You have a job and can make the payments. Your credit is used only to determine your interest rate and the loan amount to value of the home ratio.
How to Find the Best Mortgage
The purchase of a new home is one of the most important decisions you will ever make, and finding the best type of financing for you is crucial. Mortgage financing is a very competitive industry and lenders are currently offering extremely low interest rates and a variety of flexible loan programs.
Home Mortgage Refinancing - What's in Your Contract?
Are you one of the millions of Americans who will be refinancing their home mortgage loan this year? When you sign your contract and the other papers for your refinance, will you know what your signing?Your Contract: This one is simple, but I would guess very few people do it. READ THE ENTIRE CONTRACT.
Mortgage after Bankruptcy - Bankruptcy Discharged Yesterday? Purchase a Home Today!
So you have been through a bankruptcy and surely have beentold to wait at least two years before applying for a homeloan. Waiting two long years without any guarantee of beingapproved for a mortgage after bankruptcy can bedisheartening.
|home | site map|
|© 2006 TIGER MEDIA|