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Mortgage & Refinancing Information

Applying for a Home Loan


Applying for a home loan may not be the most exciting way to spend your time, but if you are like many potential homeowners, it is probably a necessary evil. If you have some knowledge of the process ahead of time, however, it will go much more smoothly.

5 Tips for Savvy Use of Your Home Equity Line of Credit


Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary reason the nation's economy has been able to emerge from the recent recession.

Decision Time: Home Equity Loan or Home Equity Line of Credit?


Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002.

10 Things to Look for in a Home-Equity Line of Credit


If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash reserves for emergencies, or pay for large expenses (like college tuition or home improvements) that have irregular payment schedules.

Using a Home Mortgage Calculator


There are a variety of tools online that you can use to determine how much you can afford to pay for a home, how much the monthly payment will be based on the sale price of a home, and calculators to tell you whether it is better to rent or buy based on your personal situation. Using a home mortgage calculator online doesn't cost any money, and can be an extremely useful tool in your preparation and research for buying a home.

Obtaining a Home Equity Loan Online


Private lenders, banks, and mortgage companies are all setting up shop on the internet, and all make it possible to obtain a home equity loan online. Competition between lenders is stiff, so be sure to check a few companies that offer applications about their rates, products, and customer service.

Preventing Foreclosure Proceedings and Understanding Your Options


Every year over 8 million homeowners are seeking help preventing foreclosure proceedings. This is a stunning 30 year high.

How To Save Money On Your Mortgage


Obtaining a home loan is arguably the most expensive transaction you'll experience in your lifetime. Therefore, getting the best home at the greatest value is an endeavor worth pursuing.

Be Prepared With Your Home Equity Loan Checklist


A home equity loan can be an excellent way to obtain money in order to pay off high interest bills or consolidate your current debt into one monthly payment. A home equity line of credit is a form of revolving credit in which your home serves as collateral.

Mortgage Free In 15 Years!


Imagine paying your mortgage off in 15 years! Think of all the great things you could do with that extra money. What would you do? Retire early? Buy an R.

Little Known Secret: Eliminate your Mortgage in 23 years or less!


Wanna know a little secret? There is an ingenious method you can use, to pay off your 30 year fixed rate loan, in 23 years or less. It's straightforward, simple, and easy to understand.

Is an ARM Right For You?


Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate of an ARM goes up and down based on whatever external index it is tied to.

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.

Online Mortgages in 5 Easy Steps!


We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance.

Mortgage: For Those Twilight Years


Tracing back, the concept of reverse mortgages began when one good soul, Nelson Haynes of Deering Savings and Loans wanted to help out the widow of his high school football coach. Today that small act has developed into a popular financing option for the senior citizens.

More Articles from Mortgage & Refinancing Information:
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42



MORE RESOURCES:
Fannie Mae High Loan-To-Value Refinance Option (HLRO) Guildelines, Rates, and Eligibility for 2019  The Mortgage Reports

The Fannie Mae High LTV Refi Option (HLRO) can help borrowers who want lower mortgage rates but do not have enough equity for traditional loan programs.


Refinance rates ease for Friday  Bankrate.com

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


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 rates are in a free fall with no end in sight  The Washington Post

Global and domestic economic concerns continue to drive down mortgage rates. According to the latest data released Thursday by Freddie Mac, the 30-year ...


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.


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.


Refinance rates slide for Saturday  Bankrate.com

Multiple key refinance rates ticked downward today. If you're shopping for a refinance, 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 ...


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 ...


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 ...


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.


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.


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.


LendingTree: Number of mortgage borrowers receiving interest rates under 5% rises  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that the number of mortgage borrowers with interest rates under 5% inched forward for the week ...


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 ...


Lowest mortgage rates in over a year could give home buyers confidence  Yahoo Finance

Mortgage rates are at the lowest in more than a year, with the 30-year fixed rate now averaging 4.28%.


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 ...


Kroll: Some banks are exiting mortgage lending activities, others are rethinking  Mortgage Professional America

The mortgage industry saw a decline in mergers and acquisitions last year due to low profits and high origination costs, according to the Kroll Bond Rating ...


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.


More inventory, lower mortgage rates as 2019 home buying season tilts toward buyers  Citizens Voice

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


Envision Bank & Mortgage Expands Footprint, Opens Four Massachusetts Mortgage Offices  Nasdaq

NORTH ATTLEBORO, Mass., March 25, 2019-- Envision Bank& Mortgage continues to expand the communities we serve with the opening of four mortgage.


All Signs Point to a Housing Boom Ahead  Bloomberg

Just as many millennials enter their home-buying years, the labor market is strong and interest rates are low.


Mortgage Rates Continue to Drop in 2019: A Good Time to Buy?  Home Buying Institute

According to the latest survey conducted by Freddie Mac, mortgage rates continue to drop. They have fallen steadily thus far in 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.


Key mortgage rates mixed for Monday  Bankrate.com

Mortgage rates were mixed today. The average for a 30-year fixed-rate mortgage held steady, but the average rate on a 15-year fixed dropped. On the ...


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.


Report indicates financial woes at former Franklin Mills mall  Philly.com

A loan backed by the former Franklin Mills mall in Northeast Philadelphia has been assigned to a company that manages troubled commercial mortgages — a ...


Mortgage rates just tanked thanks to the Fed – and they could go even lower  CNBC

The move in mortgage rates followed Fed Chairman Jerome Powell's announcement that the central bank would end the so-called runoff of bonds from its ...


How to Get Good Yield From Mortgage-Backed Securities  Barron's

The second-largest mortgage real-estate investment trust, AGNC Investment, conjures up yield from what may be the most perverse securities in the bond ...


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 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 ...


Mortgage Rates Lowest in a Year: Top 4 Housing Picks  Zacks.com

The housing space looks promising as mortgage rates drop to the lowest level in a year.


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 ...


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 ...


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 ...


The Fed Turns A Page; We Stay Focused On Growth  Forbes

Zero increases for Fed Funds in 2019, and no more sales of bonds after September: That's the latest monetary policy guidance from the US Federal Reserve.


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 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 slides for Friday  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.


Fixed mortgage rates are diving. Here’s where to get the best deals  The Globe and Mail

Payment burdens are easing for hundreds of thousands of borrowers.


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 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 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 ...


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.


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 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.


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 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.


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 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.


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.


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 ...


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.


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 ...


Short- Vs. Long-Term Mortgage Amortization Periods: Which is Best?  Toronto Storeys

There are a few details about your mortgage that you'll want to negotiate with your lender, and the amortization is one of them.


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 ...


Rick Bloom: Should I use a down payment assistance program to buy a house?  Hometownlife.com

Dear Rick: I have a question that I hope you can help me with. Currently, I am divorced and I have been renting a home. My landlord has offered to sell me the ...


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 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.


Refinance rates fall for Wednesday  Bankrate.com

Multiple key refinance rates ticked downward today. If you haven't locked a refi yet, see how that could affect you.


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.


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 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 rates tick higher for Tuesday  Bankrate.com

Multiple benchmark refinance rates notched higher today. See what that means for your chances of scoring a killer refi rate.


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.


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 ...


Consumers should soon see benefit of Feds patience on rates  Foster's Daily Democrat

NEW YORK (AP) — So much for those worries about rising interest rates.Just a few months ago, rising rates were bearing down on everyone from home buyers ...


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.


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 ...


How to Determine a Home Value and Why it is Important  Foreign Policy 2018

Here are some of what Mark Ellis - Sydney Property Valuations will let you know about how to determine the value of your home.


Refinance rates increase for Saturday  Bankrate.com

Multiple benchmark refinance rates moved higher today. See what that means for your refinance chances.


Refinance rates decline for Tuesday  Bankrate.com

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


How Marriage Affects Student Loans  Wall Street Journal

A union can trigger changes to a borrower's loan payments and related tax breaks, among other things.


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.


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 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 mortgage rate moves up for Friday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. If you're in the market for a mortgage, see what that means for you.


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.


The Best Reasons to Refinance Your Mortgage  MoneyWise.com

Just like your car, sometimes your mortgage is due for a trade-in. You might find a new model with improved options that will save you money or fit better wi...


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.


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 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.


Navient (NAVI) versus Federal Agricultural Mortgage (AGM) Head-To-Head Review  Fairfield Current

Navient (NASDAQ:NAVI) and Federal Agricultural Mortgage (NYSE:AGM) are both finance companies, but which is the superior investment? We will contrast the ...


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 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.


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.


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 lender pulls out of market  Mortgage Business

Just a year after launching, a mortgage lender specialising in non-resident mortgages is being wound down and will not proceed with any loan applications ...


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 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.


Should you use a cash-out refinance to pay off a HELOC or home equity loan? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

In this article: In most cases, interest rates for home equity loans and lines of credit are higher than those of traditional first mortgages. And home equity financing ...


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

Tapping the equity in your home to get cash can be a smart move, but only if the cash is used for the right purpose.


Should you leave your 3% rate behind to do a cash-out refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

It's an age-old question: Should you get a cash-out refinance (but be placed into a higher rate) or get a HELOC? The better option in some cases, surprisingly, ...


3 Signs You Should Refinance Your Mortgage  The Motley Fool

Refinancing at the right time can save you thousands of dollars a year.


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.


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