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Mortgage & Refinancing Information |
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How Good a Deal Is Your Banks Mortgage Insurance Plan?
When you go to the bank to get a mortgage, you'll inevitably be asked to take out mortgage insurance. The idea behind mortgage insurance is simply that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank. Most financial institutions act like they are doing you a favor by offering you mortgage insurance through their own group plan, but are they? The truth is that you could probably get a much better deal and at least an equal amount of protection by shopping around for your own insurance policy. Essentially, mortgage insurance is no different than term-life insurance. With both, your policy only lasts for a specified period of time and pays its benefits if something happens to you or your spouse. The real difference comes down to how much control you'll have over your policy and how much you'll pay for it. If you choose to use the mortgage insurance offered by the bank, you will not be able to customize a policy to fit your needs and you'll be lumped together with other borrowers under a group plan. Because of this, you will only have limited control over your policy. For example, through a third party provider, you would be able to choose your own beneficiary, decide how to spend the proceeds if necessary, and cancel the policy at any time. You would not have these options with a lending institution. Additionally, the bank maintains the right to not renew your policy and to cancel the policy when you sell the house. If you find your own insurance provider, you can make those decisions yourself. The other big difference is cost. A third party insurance policy's premiums will not go up, so you would pay the same premium today that you'd pay ten years from now. You won't get that same guarantee from a bank which can and probably will increase your premiums during the life of the policy. In most cases, you'll probably pay more through a bank anyway. In fact, you could pay as much as 40% more than you would if you shopped around and found your own insurance provider. Not to mention that the policy you take out through your bank will gradually decrease in value while a plan you select from an outside source will be worth the same amount during the entire policy period. Of course, many people don't mind paying more for their mortgage insurance because it's more convenient than dealing with insurance agents. The truth is that you can easily find a policy that fits your needs and provides affordable premiums via the Internet. An organization, such as the Hughes Trustco Group, can even generate quotes for you from multiple insurance providers so you'll know that you're receiving the best deal possible on the policy you want. The bottom line is that mortgage insurance is important and should be part of your home buying or refinancing preparations, but that does not mean you need to pay more or let the bank make important decisions for you. Instead, you should find your own personal plan from a third party provider which will let you stay in control of your policy and will save you money in the long run. Ivon T. Hughes, The Hughes Trustco Group Ltd. Canadian Insurance Broker - Get a FREE Quote TODAY!Tel: (514)842-9001 Email: info@trustco.ca Web: http://www.trustco.ca
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. 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. Refinance mortgage rate slides for Thursday Bankrate.com Refinance rates were mixed, but one key rate dropped. The average rate nationwide for a 30-year fixed-rate refinance receded, but the average rate on a ... 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 ... 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 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. 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 ... 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 ... 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. 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. 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 ... 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 ... Government Shutdown Brings Mortgage Obstacles | Your Money The Albany Herald MoneyTipsThe Shutdown's Housing Market WoesIt's a great time to buy a home, and you're ready. You've saved up a suitable down payment, found a home, ... 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 ... 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. 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 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. 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 ... 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 ... 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. Millionaires Cash-Out Too; Big Refis for Big Homes Mortgage News Daily Somewhere in this country there are 230 homes with mortgage balances between $10 and $20 million dollars. According to a post written by Arthur Jobe in the ... 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 ... StorageMart Takes Big Refi for Existing Self-Storage Properties, Development and Cash-Out Inside Self-Storage StorageMart, which operates more than 200 self-storage properties across Canada, the United Kingdom and the United States, is refinancing a large portion of ... 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 ... 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 ... 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. Experts weigh in on what the 2019 housing market will bring The Washington Post A roundup of what experts predict will happen with mortgage rates, sales and prices in 2019. 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 ... 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 ... 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 Chestnut Park Apartments in Springfield. 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 ... 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. 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. Mortgage customers will be stuck with their lender in 2019 | Adelaide Now The Advertiser Mortgage customers will be shackled to their lender in 2019 as it becomes tougher than ever to refinance and save, industry experts have warned. 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. 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 ... 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. 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 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 ... How Millennials Are Adapting to Rising Prices The MReport Millennials are meeting the challenging environment of tight supply and rising home prices head on with this type of mortgage loan. Rep. Slotkin Calls on Secretary DeVos to Help Provide Student Loan Relief for Federal Workers WSYM-TV Rep. Slotkin released a letter yesterday that she sent to Secretary of Education, Betsy DeVos, asking her to proactively work with student loan providers to help ... 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 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. What You Need to Know About Life Insurance in Your 20s Zing! Blog by Quicken Loans You're young, you're healthy, you have years of living ahead of you -- why would you need life insurance? Here's when you may want to consider it. 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 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 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 ... Regulator Signals New Deal for Mortgage Prisoners CLNews By Trevor Clawson. Imagine for a moment that you're shopping for shoes. You see a pair costing £100 and a swift glance at your bank account confirms that you ... 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. 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 ... 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. Millennial Borrowers Taking Out Larger FHA Loans to Compete for Limited Inventory, Latest Ellie Mae Millennial Tracker Finds Business Wire Millennial homebuyers are taking out larger FHA-backed mortgage loans year-over-year, according to November data from the Ellie Mae Millennial Tracker. 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 ... 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 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 slide for Wednesday Bankrate.com Several key refinance rates declined today. If you're shopping for a mortgage, see how your payments might be affected. 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. 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. 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 ... Refinance rates slide for Friday Bankrate.com Multiple key refinance rates declined today. See what that means for your refi. 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. 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 ... 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. 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 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. 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 ... When and How to Refinance a Personal Loan Bankrate.com If you're thinking about refinancing a personal loan, check these factors first. 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 ... 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. |
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