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Mortgage & Refinancing Information

What is an Interest Only Mortgage?


An Interest Only Mortgage is one where the repayments are made up entirely of the interest on the loan. When the mortgage term is complete, the capital originally borrowed is still outstanding.

Guide to Interest Only Mortgages


Here is a useful guide to interest only mortgages. An interest only mortgage is one where your regular payments only go to pay off the interest on the money you borrow.

What is a Tracker Mortgage?


A tracker mortgage 'tracks' the Bank of England base rate, meaning your mortgage stays in line with interest rates and the market in general. The result on your monthly mortgage interest payments is that they go up when the base rate goes up and go down when the base rate goes down.

Bad Credit Loans Authenticate What Is Positive About Bad Credit


This might not be the front page news but it is now out in the open! 'Bad credit is getting loans - all kinds of loans'. Lending institutions, banks and other financial constitutions are coming forward to provide loans for bad credit.

Key an Eye on Your Mortgage Payments


In previous decades, when a borrower missed a payment on a mortgage, the lender would often consider them one month behind until they eventually caught up. Most lenders would impose a late fee and other interest or penalties, tacking them onto the back end of the loan as long as the lender stayed current with the rest of their payments.

The Truth About Shopping for Mortgage Rates


With so much lender advertising focusing just on rates, you may not be aware of the importance in choosing an experienced, reliable loan professional who can match you with the appropriate loan program. Good loan officers and mortgage brokers may quote today's rate when asked, but they will quickly add they need to know more about you to determine the best program for your individual situation.

Choosing a Mortgage Lender


Just as there are many types of mortgages and mortgage deals to choose from, there are also many sources where you can go to get a mortgage. Your key choices are to use a mortgage broker, a more general financial adviser, or shop around yourself and go direct to the mortgage lender.

What is a Fixed Rate Mortgage?


As the term implies, with a fixed rate mortgage the mortgage rate is fixed for a set period of time, so no matter what movements occur in the lender's standard variable mortgage rate, the borrower's arrangement is fixed and, therefore, so are the monthly fixed rate mortgage payments.A fixed rate mortgage would suit someone who likes to know where they stand.

What is a Self-Employed Mortgage?


Self-employed mortgages, as the term implies are mortgages designed for those that are self-employed. Traditionally it's been more difficult for the self-employed to get mortgages.

What is a Capped Mortgage?


A capped mortgage is a variable rate mortgage with a capped limit beyond which the rate paid will not exceed.Mortgages are available in a number of different interest rate options, one of which is the capped rate.

Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages


Sub-prime mortgages are not that much different from average mortgages. They have interest rates, points, and fees.

Buying a Home With Bad Credit - Tips on Finding the Right Broker or Lender


You can buy a home with a bad credit record; you just need to find the right mortgage financing package. Before you sign up with the first company that offers you a loan, remember to research offers to be assured you are getting a fair deal.

Financing a Home With Bad Credit


Financing a home with bad credit is a common problem for people. Over 25% of homes in the US are financed through sub prime lenders, who offer financing to high-risk borrowers.

Bad Credit Mortgage Lenders - Things You Should Know About Subprime Lenders


Interest rates and fees vary between subprime lenders just like regular mortgage lenders. Just because you have bad credit, that doesn't mean you should accept the first financing offer from a subprime lender.

Bad Credit Refinance Loans - Finding a Good Lender


Finding a good lender to help you with refinancing your home loan can be tricky if you have bad credit. There are plenty of predatory lenders out there who would like to take advantage of you with excessively high interest rates and fees.

More Articles from Mortgage & Refinancing Information:
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MORE RESOURCES:

Refinance rates slide for Tuesday  Bankrate.com

Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you.


Answers to 9 of the Most Googled Mortgage Questions  NerdWallet

Mortgage questions? We've got answers to help boost your confidence when exploring your options, choosing mortgage lenders and managing your home ...


Refinance mortgage rates mixed for Thursday  Bankrate.com

Multiple benchmark refinance rates were flat today. If you're in the market for a mortgage, see how your payments might be affected.


How to Remove PMI From Your Loan  WTOP

How to Remove PMI From Your Loan on WTOP | Conventional wisdom states that when buying a house, the responsible thing to do is to make a good down ...


Refinance mortgage rate advances for Tuesday  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.


LendingTree: This is how much homebuyers could've saved on their mortgages  HousingWire

Last week, the share of borrowers with rates under 5% grew moderately larger. According to LendingTree's Mortgage Rate Competition Index, borrowers with ...


Why out-of-control bubble-era mortgages still threaten to smash major U.S. housing markets  MarketWatch

The 2004-07 bubble era in U.S. housing markets was a time of utter madness. Much has been written about it, but almost nothing has been said about the ...


Paul Manafort charged with committing residential mortgage fraud — which is more common than you'd think  MarketWatch

Mortgage fraud risk has risen substantially in recent years as refinance activity has dried up for lenders.


Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

What is FMERR? The Freddie Mac Enhanced Relief Refinance – or FMERR – is for borrowers who want to refinance but have very little or no equity in their ...


Ellie Mae: Millennials' interest in mortgage refinance spikes  HousingWire

In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ...


LendingTree: Fewer homebuyers received mortgage rates under 5% last week  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% reversed course, inching backwards for the week ...


Mortgage rates fall for the third week in a row  The Washington Post

The 30-year fixed-rate average dropped to 4.35 percent, its lowest level in more than a year.


LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% slid further for the week ending Feb. 17, 2019.


Weekly mortgage applications jump 5.3% as lower rates seem here to stay  CNBC

Mortgage application volume increased 5.3 percent last week from the previous week and was 0.4 percent higher than a year ago, the Mortgage Bankers ...


Economic downshift drops mortgage forecasts again: Fannie Mae  National Mortgage News

Fannie Mae estimates the average 30-year fixed-rate mortgage to hold at 4.4% through 2019 and 2020 due to the overall slowdown in the economy, according ...


Home Sales Slump While Mortgage Apps Rise  National Mortgage Professional Magazine

Today's housing data news finds a seesaw ride with home sales going down, while mortgage applications are going up.


Still haven’t refinanced your mortgage? You still have an opportunity to save big  Bankrate.com

Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ...


Mortgage Applications Increase in March  World Property Journal

According to the Mortgage Bankers Association's latest Weekly Mortgage Applications Survey for the week ending March 8, 2019, mortgage applications ...


Mortgage rates sink to lowest levels in more than a year  The Washington Post

Mortgage rates were driven down this week by weak economic data and concerns about global growth. According to the latest data released Thursday by ...


Once Considered Inferior, Automated Appraisals Are Helping Stem Default Risk  Mortgage News Daily

Although lacking in popularity, it appears that automated appraisals have obtained their intended results. Urban Institute (UI) researchers Laurie Goodman and ...


Refinance rates drop off for Monday  Bankrate.com

Multiple key refinance rates fell today. If you haven't locked a refi yet, see how your payments might be affected.


New VA rules aimed at curbing predatory lending for cash-out mortgage refinances  Bankrate.com

An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ...


Key mortgage rates mixed for Monday  Bankrate.com

Mortgage rates moved in different directions today. If you're in the market for a home loan, see how your payments might be affected.


TRANSACTIONS: CV Capital Funding refinances mixed-used portfolio  Real Estate Weekly

Roundup of this week's middle market loans features Arbor Realty Trust, Meridian Capital, Eastern Union Funding, GCP, Houlihan Parnes and CV Capital ...


7 charts showing where mortgage lending is headed in 2019  National Mortgage News

From FICOs to purchase volume, here's a look at seven mortgage lending trends that will shape the housing market this year.


More inventory, lower mortgage rates as 2019 homebuying season tilts toward buyers  Bankrate.com

Spring is here, which means peak homebuying season is right around the corner. Although it varies from place to place, generally most people start shopping for ...


LendingTree: Homebuyers save big by shopping around for lower mortgage rates  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% inched forward for the week ending Mar. 5, 2019.


Mortgage rates increase for Friday  Bankrate.com

Multiple benchmark mortgage rates floated higher today. If you're shopping for a home loan, see what that means for you.


Refinance rates drop for Saturday  Bankrate.com

Several benchmark refinance rates fell today. See what that means for you if you're in the market for a mortgage.


Refinance rates advance for Monday  Bankrate.com

Several benchmark refinance rates moved higher today. See what that means for you if you're in the market for a home loan.


Why the Housing Market Should Not Worry About Equity Take-Out  MarketReview.com

Can we look at the rate that people are refinancing their mortgages and conclude this will or even could cause a housing market crash? Some people do ...


Homebuyers Get a Spring in Their Step  The MReport

Here are the mortgage trends that are likely to see more homebuyers locking in their property this spring season, according to an analysis.


Mortgage rates fall for Monday  Bankrate.com

Several key mortgage rates slid lower today. The average for a 30-year fixed-rate mortgage decreased, but the average rate on a 15-year fixed were higher.


Lanesborough REIT Reports 2018 Operating Results  EnerCom Inc.

Canada NewsWire. WINNIPEG, March 20, 2019. WINNIPEG, March 20, 2019 /CNW/ - Lanesborough Real Estate Investment Trust ("LREIT") (TSXV: LRT.


Am I accidentally committing mortgage fraud? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You're not a criminal. You just want to buy a home with a mortgage. But you could accidentally commit mortgage fraud unless you avoid these mistakes.


It’s Like Giving Yourself a Raise – Refinance Your Home  FOX 31 Denver

How would you like to save $1000-$3000 a month, and have no mortgage payments until June 2019? Call The Home Loan Arranger and his team to find out ...


Democrats roll out college debt relief plant  Sunbury Daily Item

HARRISBURG — Senate Democrats on Wednesday rolled out a plan to help roughly 28000 Pennsylvanians with high-interest student loans,


Federal Reserve Interest-Rate Decision—Live Analysis  Wall Street Journal

The central bank held its benchmark interest rate steady, and a majority of officials signaled they might not raise the rate at all this year. SHARE.


Report: Homeowners gained nearly $10K in home equity last year | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Home price growth might be slowing, but homeowners are still gaining serious equity in their properties, According to new data, the average homeowner saw ...


Mr. Cooper News: COOP Stock Hit by Downgrade  Investorplace.com

Mr. Cooper news about a recent downgrade for the company from analysts at Piper Jaffray is hitting COOP stock hard on Wednesday.


New rapid mortgages allow closings in as few as 8 days  Bankrate.com

Some lenders are drastically cutting closing times which, they say, provides an edge in competitive markets. Loandepot is offering what may be the fastest ...


Local Mortgage Broker Gets New Look For Corporate HQ In Scottsdale AZ - Press Release  Digital Journal

Arizona based ABLEnding, Inc. is pleased to announce that they recently upgraded their Scottsdale office facilities to accommodate more customers who seek ...


Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


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 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 ...


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


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 ...


Companies should be smarter about stock buybacks  Star Tribune

When looking to confirm news of a stock buyback plan, a first scroll through recent news releases of Medtronic PLC turned up nothing. There was just an item ...


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


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 ...


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 ...


Student takes top spot at national mortgage banking sales competition | WMU News  WMU News

KALAMAZOO, Mich.—Western Michigan University sales and business marketing students Ryan Demas, Cooper Frost and Alex McMahon traveled to Cleveland ...


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you haven't locked a refi yet, 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.


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 ...


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.


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 ...


Should You Refinance Your Mortgage?  Forbes

Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ...


Refinance mortgage rate dips for Tuesday  Bankrate.com

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


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see how your finances could be affected.


The main reason to refinance your mortgage: Save money  Chicago Tribune

A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction.


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 rates decline for Thursday  Bankrate.com

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


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.


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.


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 ...


Refinance rates decline for Tuesday  Bankrate.com

Multiple closely watched refinance rates trended down today. See what that means for your refinance chances.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected.


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.


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.


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 ...


Housing advocates surprisingly upbeat on FHFA nominee  American Banker

Mark Calabria has notably criticized the government's role in housing, but some groups have taken him at his word when he told senators that he supported ...


Factors to weigh when considering whether to refinance your home  Washington Post

Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ...


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.


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.


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 rates tick lower for Thursday  Bankrate.com

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


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.


Refinance rates hold steady for Friday  Bankrate.com

Several benchmark refinance rates held steady today. See what that means for you if you're in the market for a mortgage.


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.


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 mortgage rate falls for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. If you haven't locked a refinance yet, see how your payments might be affected.


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 ...


Refinance rates decline for Wednesday  Bankrate.com

Several key refinance rates were down today. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates slide for Saturday  Bankrate.com

Multiple closely watched refinance rates were down today. If you're in the market for a refinance, see how that could affect you.


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.


Cash-out refinance for renovation: Increase your home equity | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Considering a cash-out refinance for renovation? Here's what you need to know about options for financing home improvements.


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.


Refinance rates decline for Saturday  Bankrate.com

Several key refinance rates dropped today. If you haven't locked a refi yet, see how your finances could be affected.


Unpaid federal workers can sidestep rules to apply for cash-out mortgage refinance  Bankrate.com

As the partial government shutdown drags on with no end in sight, furloughed federal workers are faced with mounting financial obligations and a variety of relief ...


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.


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 ...


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 rates trend higher for Tuesday  Bankrate.com

Several closely watched refinance rates rose today. If you're in the market for a mortgage, see what that means for you.


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 ...


Refinance mortgage rate advances for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. See what that means for your refinance chances.


BIMINI CAPITAL MANAGEMENT, INC. filed on Wed, Mar 20 10-K | Thorold News  Thorold News

BIMINI CAPITAL MANAGEMENT, INC. filed 10-K with SEC. Read 's full filing at 000127547719000037.UNITED STATES SECURITIES AND EXCHANGE ...


Refinance rates slide for Monday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. If you're in the market for a home loan, see what that means for you.


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.


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