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Refinancing Your Home - Is the Time Right?


Refinancing your home is a major decision not to be takenlightly, even in this era of low interest rates and easymoney. While every mortgage company in town is touting thestrategy of getting a new loan before rates rise again,there are several things you'll want to be mindful of beforeyou go about refinancing your home.

In my view the key to refinancing your home isn't just therate they're offering you: it's the total package looked atnot only in terms of today, but a few years down the road.Many people have taken out new loans that really weren'tquite right for their long term situations, thinking they'dbe able to refinance again in the not-too-distant future.That may or may not prove to be true. No one has a crystalball that'll give you a definitive idea of just where rateswill be even a year from now, so try to approach this with asomewhat more long-termed view. It's very easy to gettempted by the prospect of easy, fast cash, but in the endyou end up giving it all back in terms of higher payments,and worst case, be unable to make your payments and loseyour home. Just look at all the costs associated with thisnew loan, determine what the payments will be in 2, 5 and 10years, or whatever your timeline is, and make an informeddecision unfettered by a mortgage broker's "opinion" what's"best" for you. They have a vested interest in getting youinto a loan, any loan, and WILL NOT, repeat, WILL NOT, haveyour best interests at heart when you go about refinancingyour home.

Some things to consider when refinancing your home would bethe type of loan,(fixed,ARM, etc.) the rate, the term, thecosts associated with the loan, any cash equity you'd liketo take out, and the time and documentation necessary forrefinancing your home. This is a wildly competitive market,and please do yourself a favor and shop around. The sameloan one lender will offer you can vary greatly from anotherjust down the street as far as total costs go. Don't beafraid to say no: they're not doing you a favor by "giving"you this loan. They're reaping many thousands of yourdollars in interest, so make sure you get what you want, notwhat they want to sell you. Remember, you're refinancingyour home, not their summer vacation!

All in all, when refinancing your home, take your time. Shoparound, compare, and you are the customer, and what was thatthey say about the customer always being right? You are, aslong as you do your homework when refinancing your home.

Keith Thompson is a real estate investor and webmaster at Mortgage LoansToday where you can find more information and resourcesfor refinancing your home


MORE RESOURCES:
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

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 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.


Thanks to lower mortgage rates, 550K homeowners could save by refinancing | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you already own a home, it might be time to think about refinancing. According to new data, more than half a million homeowners could lower the mortgage ...


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: Here’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

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 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 ...


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.


Plunge in rates sparks 23.5% spike in mortgage applications after unusually weak holidays  CNBC

Homebuyers returning to the market after the holidays may have been inspired by the drop in rates, but stock market volatility and the government shutdown ...


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 ...


Mortgage Rates Fall as Government Shutdown Rolls On – 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 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.


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 ...


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

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

Select Commercial Funding announced the below closed transactions. All loan transactions were negotiated by Stephen A. Sobin, president and founder of ...


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 ...


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.


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

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.


US mortgage applications tumble amid concerns over economic outlook, gov't shutdown - Xinhua | English.news.cn  Xinhua

WASHINGTON, Jan. 3 (Xinhua) -- Mortgage applications in the United States dropped sharply last week, as homebuyers were concerned about a slower ...


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 ...


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.


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 ...


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.


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 ...


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.


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 ...


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 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.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


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

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.


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 ...


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

Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls.


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 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

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

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 ...


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 ...


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.


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 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

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 rates drop off for Monday  Bankrate.com

Multiple key refinance rates fell today. See what that means for you if you're in the market for a home loan.


Refinance rates fall for Saturday  Bankrate.com

Multiple key refinance rates trended down today. If you're in the market for a home loan, see what that means for you.


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 – or nearly $18,000 a year – by switching to one of dozens of cheap ...


Refinance rates move up for Thursday  Bankrate.com

Several closely watched refinance rates advanced today. If you're in the market for a mortgage, see how your payments might be affected.


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 ...


Mortgage rates are on the rise. Here are some tips for getting the lowest rate.  The Washington Post

The 30-year fixed-rate average hit a seven-year high last week. But that doesn't mean you still can't get a low rate when buying a home or refinancing a loan.


How to use a cash-out refinance to buy another home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase ...


Mortgage Refinancing Sinks Near a One-Decade Low on Rising Rates  Bloomberg

Years of low interest rates have let homeowners refinance their mortgages on more favorable terms, or even cash out some of their equity to send a kid to ...


Refinance mortgage rates mixed for Thursday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a home loan, see how your payments might be affected.


Do I need an appraisal to refinance my home? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Do you need a home appraisal to refinance your mortgage? Not necessarily. Here's what you need to know about conforming, USDA, FHA and VA refinances ...


Refinance rates ease for Thursday  Bankrate.com

Multiple key refinance rates receded today. If you're in the market for a refi, see how your payments might be affected.


Refinance mortgage rate ticks higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate.


Refinance mortgage rate slides for Monday  Bankrate.com

Refinance rates were mixed, but one key rate sunk lower. See what that means for your chances of scoring a killer refi rate.


Refinance rates move up for Saturday  Bankrate.com

Several benchmark refinance rates climbed today. See what that means for your refi.


Why refinance now? Because your home equity, credit scores are higher than you think | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Even if you were turned down for a mortgage refinance when rates were at their lowest, you may still be able to benefit. Credit scores and home equity are on the ...


Mortgage refinance candidates cut by half in the past four months  National Mortgage News

The number of mortgage borrowers for whom it made sense to refinance declined by nearly half since the end of last year and is at its lowest since November ...


Mortgage applications drop as refi volume falls to an 18-year low  National Mortgage News

Mortgage application activity decreased 3.2% from one week earlier as interest rates rose to eight-year highs and refinancings fell to an 18-year low, according ...


Refinance rates ease for Monday  Bankrate.com

Multiple key refinance rates ticked downward today. If you're shopping for a mortgage, see how your payments might be affected.


What It Takes to Refinance a Jumbo Loan  NerdWallet

Refinancing a jumbo loan, a mortgage over $484350, in most cases, and up to $726525 and even higher in some high-cost areas, can result in big savings and ...


Cash-Out Refinance Calculator  NerdWallet

A cash-out refinance can be a great financing option depending on your use of the cash and your financial profile. This calculator will help you determine how ...


Weekly mortgage refinances drop to an 18-year low as rates jump  CNBC

A sharp rise in interest rates last week meant far fewer homeowners could benefit from a mortgage refinance.


5 Tips for Finding the Best Refinance Mortgage Lenders  NerdWallet

Finding the best mortgage refinance lender for your situation requires knowing your credit score, shopping more than one lender, negotiating lender fees, ...


Refinance rates dip for Friday  Bankrate.com

Multiple closely watched refinance rates were down today. See what that means for you if you're in the market for a mortgage.


Refinance rates move lower for Saturday  Bankrate.com

Multiple benchmark refinance rates trended down today. If you're shopping for a refinance, see what that means for you.


Mortgage rates forecast for 2019: Experts agree that rates will rise | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

2019 mortgage rates forecast: What do the experts say we can expect in terms of real estate financing costs?


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