Mortgage Refinancing - 100% Satisfaction Guaranteed Home Mortgage Refinance Solution

www.MortgageRefinancing.com Mortgage Refinancing - 1-800-966-3026. Looking for a Fast, Easy and Stress Free Mortgage Refinancing Solution? We are the #1 Mortgage Refinance Company in the USA for a good reason We Guarantee the Lowest Loan Refinancing Rates, Lowest Closing Costs, Fastest Closings and We Guarantee Your 100% Satisifaction. Get a Free Home Mortgage Refianancing Consultaion so we can start exploring your best money saving options today.



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Your Mortgage Minute with Your Mortgage Source Kevin P. Rhea

Is it a good time to buy? Yes. What are you afraid of? Kevin helps unpack these questions and more in Your Mortgage Minute!



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Mortgage Loans Refinance - Home Loan Tips

Home is where the heart is. Home is where you hang your hat. Home... well, you get the picture. The home holds a dear place in the heart, minds and souls of pretty much everyone on the planet.

And yet, from a less sentimental perspective, the home can be seen yet another way: it is where we invest a heck of a lot of money.

Yes, besides the sentimental and practical value of our homes, they also represent a very significant financial investment for each and every homeowner. Not only are there the up-front closing costs and down payments associated with buying a home, but there are the ongoing, monthly expenses as well. No matter the value or price of your home, it is almost a sure bet that it wasn't cheap to buy.

Maybe you have been able to make your mortgage payments for a number of months or years, but then something happens in life that makes it harder to keep up. Maybe you are able make your mortgage payments, but doing so causes you to sacrifice too much in other important areas of your life. Or, maybe you have been consistently late in making your payments - and may even be risking default.

In those cases, a mortgage loan refinance may be in order.

When To Consider Mortgage Loan Refinancing

Regardless of whether you actually have trouble making your monthly mortgage payments or whether you would just like to save some money like everybody else, an excellent way to reduce your payments is to refinance your loan.

While there is no single magic formula for knowing when it is best to refinance your home, there are some rules of thumb that can help. You should consider refinancing if:

a. you notice that mortgage rates (such as 15 year fixed or 30 year fixed) have gone down since the time you got your current mortgage by at least 0.5% to 1%

b. your credit score has improved since the last time you refinanced

c. you would like to extend the term of your loan to 30 years from 15 or 20 years

d. you have equity in your home that you would like to cash out (turn into cash)

Mortgage Loans Refinance: Home Loan Tips

If you are considering refinancing, the next step is to shop for the best deal. Here are 3 tips that can help you make the right decisions:

1. Research the best mortgage loan refinance lenders in your area: Start by making a list of at least 5-6 lenders who specialize in refinancing.

2. Figure out the ideal mortgage term for your new loan: Use an online mortgage calculator. By plugging in different payment terms (e.g., 15 years, 30 years, etc.) you can figure out how this will affect your future monthly payment amount.

3. Apply to multiple lenders: Be sure to apply to all of the lenders on your list. Remember, more lenders means more choices, which means a better chance of landing an excellent rate.

Follow these 3 tips to get the best-possible interest rate on your new mortgage loan refinance.

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Lunch? With Tinny

tinny talks



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Refinance Home Mortgage Information

Are you considering getting a refinance home mortgage? If you need a higher level of finance, a refinance home mortgage may be the best option. Before refinancing, there are some points to remember, and in this article, you will discover the options.

The first point to remember, is that you can actually go through and get this financing, however, there are points to remember.

For example, if you are paying for your mortgage still, you will end up with 2 forms of finance. This is why it is essential to look at your position financially before going ahead with the refinance home mortgage.

Remember that the mortgage you took out may still be in effect, and you may still be paying off for it. In this case, the 2 forms of finance going on can be a big stress on finances.

This is where you need to consider the first thing to remember is what your needs are for this finance. There are actually going to be 2 main ways to use this money.

Either you will invest this money or spend it. Going traveling around the world is an expense and won't bring money back. As such, it is essential to strongly consider whether this is really worth getting a refinance home mortgage.

The other option is that you can invest, and with this method, you may buy a second home or start a business.

With both these options, you can expect to get that money back, so this is the wisest of options. In either case, please consider these points before getting refinancing a home mortgage. There are actually some things to remember, and that is that you can find many lenders, and the difference in what you pay back, is based on the actual level of interest that you are charged.

With cheaper levels of interest charges, you can save a lot of money. Investing some time into research can make all the difference.

How do you find these options?

Billboards often carry advertisements for the latest offers. Television, radio, tabloids, and even real estate and finance type magazines are a ideal way to find the offers.

There is also the internet, and the internet offers many benefits. When you go online, you can find some amazing findings.

Some even allow you to apply online, and this makes matters great, because you really can save. Often they will have better offers on the internet.

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Mortgage Broker or Bank?

Dan O'Donnell describes the pros and cons of working with a mortgage broker versus a bank. Dan is a Realtor with RE/MAX Whatcom County in Bellingham, Washington.



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Mortgage Fees - What Are They?

The use of mortgage fees can be confusing but with a little bit of effort you can easily reduce the costs. Start by looking at the mortgage fees or costs; what fees are legitimate, and what fees you should be wary of, with a few lessons of wise financing along the way.

The mortgage origination fee - This fee is basically what the broker charges for doing the loan. A fair and normal fee is usually in the neighborhood of 2% or less. With a more competitive market mortgage fees should be examined and depending on how complicated your loan is a 2% fee would be considered expensive, so if this is the case you should look elsewhere. Unlike the frenzy encountered a couple of years ago, brokers need and want your business so now is the time to choose carefully who you want to work with. Lesson number one: this is a significant debt you are undertaking, ask questions and don't let yourself be intimidated into paying more than you should!

The mortgage appraisal fee - This is a fee that is unavoidable for the purchase or refinance of any home. An appraisal must be done by a licensed appraiser. You are paying for it so be sure to obtain a copy of the appraisal for your own records. The cost for the appraisal can be in a range from $300 to $500, depending on the state and the appraiser.

The mortgage processing fee - A hired loan processor or an outside source may be used by a broker to process your loan. The mortgage fee is thought by many to be a waste of money but it should be remembered that the loan processors do a lot of the detail work. They work hard at ordering the title, the insurance, the appraisal and putting together all the documents for the lender. Examine your closing documents to make sure your fee is no more than $400.

The credit report - Every borrower is required to have a credit report if they hope to get a home loan. You must take care in choosing a broker because most of them will pull a credit report as soon as your social security number is presented and a large number of inquires on your credit can hurt your credit score. When arranging a mortgage a lender may pay for a credit report based on you so you must make sure you get a copy and to ensure that your broker has actually paid for in order to charge yourself. The brokers cannot charge a credit report fee unless they are actually being charged a fee by the credit agency. The fees range in price and can vary from $12 to $20 per borrower.

The mortgage underwriting fee - This fee is charged by the lender for underwriting, closing and funding your loan. Sometimes referred to as the Administration Fee, this is how the lender makes its up-front profit on your loan and it usually can't be avoided. If the broker is charging the underwriting fee you should not agree to pay it without a reasonable explanation of its validity because brokers do not underwrite your file. Don't be confused into paying any fees that don't seem to be honest charges. Ask tons of questions to secure the best deal on your home loan. Most brokers are aware of the state of the current market and will offer you the best mortgage deal.

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Mortgage Tulsa Oklahoma | Oklahoma Home Mortgage | Mortgage Loans Oklahoma

www.zfgmortgage.com ZFG Mortgage is Tulsa's premier mortgage lending company for Oklahoma Mortgage and OK Mortgage. 918-459-6530 or toll-free 1-877-205-7266 Mortgage Tulsa Oklahoma, Oklahoma Home Mortgage, Mortgage Loans Oklahoma, OK Mortgage Rates, OK Mortgage ZFG Mortgage is Tulsa's...



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Mortgage Refinance Information: Lock in Your Mortgage Interest Rate

Locking in your mortgage interest rate is how loan originators guarantee an interest rate. The purpose of the lock is to allow you time to close on the loan at the interest rate you agreed. If you are unable to close before the rate lock expires, the mortgage lender could charge you a higher interest rate for the loan. Here are the basics of mortgage rate locks to protect you when refinancing your mortgage loan.

Wholesales mortgage lenders use a rate sheet listing the current day's published mortgage interest rate. The day your rate is locked it can only be based on the current day's interest rate. You can only lock your interest rate from the time this rate sheet is issued each morning until the close of business, which is typically 4pm in the lender's time zone. The duration of the lock will be specified in your loan documents and must allow you enough time to close on your new mortgage. If your lock expires prior to this you will pay dearly for not closing in time.

Before you agree to a lock period, find out what the loan originator's time frame is for completing your loan. If it will take 15-20 days to complete, a 30 day interest rate lock will be sufficient. This timeframe assumes there will not be complications when the lender is completing your loan. Locking in the right interest rate is crucial when refinancing your mortgage. The discussions you have with the lender are meaningless until you have that interest rate guaranteed in writing. Interest rates change on a daily basis and that 5% loan interest rate you discussed could easily turn into a 6% mortgage in as little as 72 hours.

Trusting your mortgage representative to do the right thing with your interest rate is a big mistake. Your mortgage originator is only concerned with padding the interest rate with as many points as possible to collect a bonus for Yield Spread Premium or YSP. YSP basically means the more you pay, the more the originator receives as a bonus. This is the bait and switch you hear about with mortgage loans. The longer the mortgage lender can put off guaranteeing you interest rate, the more they can raise it when you are one week away from closing. Would you really forego the closing over a .25% increase in your interest rate? Did you know this .25% means an additional bonus for your mortgage originator of 1% of your loan amount? This is a lot of money changing hands just for overcharging you on your new mortgage loan.

Most homeowners don't know what the lender is doing; they don't recognize delay tactics and blindly agree to pay .25% to .50% or more while their loan originator takes advantage of them. If you don't want to be taken advantage of when refinancing your mortgage loan, register for a free mortgage guidebook.

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Rising Mortgage Rates Caused By TARP - Crude Hits $75 - October 15, 2008

FDIC loan guarantees, Fannie & Fannie buys of Toxic mortgages, and the TARP is resulting in higher yields, wider GSE Debt spreads and higher mortgage rates, which are signs that The Great Credit Crunch remains in the third inning with that one-year rain delay. The TARP is now on the infield, but covering a swamp full of alligators. Crude oil has reached a $75 handle as I expected. A weekly close below $74.90 would be the first since October 2003. More bad loans are on the horizon: Credit Cards, Home Equity Loans, Commercial Real Estate and Construction & Development Loans are set for increasing defaults. We are entering a multi-year Bear Market and heading for Recession. To subscribe to my special report, �The Great Credit Crunch� and updates to Richard Suttmeier�s List of Problem Banks and new Richard Suttmeier�s List of TARP Banks, send an email to GMCReports@aol.com or to Support@ValuEngine.com.



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Mortgage Insurance

'Mortgage insurance' is a term that you will surely come across if you are going for a mortgage loan. Let's get straight into finding out what this term ('Mortgage insurance') means.

Mortgage insurance is a great tool for both the borrower and the mortgage lender. By definition, mortgage insurance provides protection to the mortgage lender in case the borrower defaults on the mortgage. Mortgage insurance covers the loss that a mortgage lender can incur in such a circumstance. So besides taking title to property, the mortgage lender is also protected against loss by mortgage insurance. The premium of this mortgage insurance is obviously paid by the borrower and there are different ways in which the borrower can pay this mortgage insurance premium e.g. one way is to include it as part of the monthly mortgage payments that are made to the mortgage lender (who in turn passes on the amount to the mortgage insurer).

However, how does mortgage insurance provide benefit to the borrower?

Since mortgage is a big financial transaction, the mortgage lenders need to safeguard their interests in all possible way. So, mortgage lenders require the borrower to demonstrate their commitment to the investment. One way of showing this commitment (and the ability to pay monthly mortgage payments) is to make a down payment. The mortgage lenders generally ask for a down payment of around 20%. However, if the borrower goes for mortgage insurance, the down payment amount may be significantly reduced by the mortgage lender. So, a borrower might be required to pay only 5% or 10% as mortgage down payment instead of the mandated 20% or whatever. This means that mortgage insurance is especially good for people who don't have enough cash to make large down payments (as such 20% is quite a big amount in itself). Such people can save on cash by going for mortgage insurance. Moreover, since mortgage insurance provides a lot of confidence to the mortgage lenders (in terms of their investment being safe), the processing of your mortgage application could be faster and smoother than what it would have been without mortgage insurance commitment. So not only does mortgage insurance increase the buying power of a borrower it also provides him/her with benefits in terms of getting a good mortgage deal and getting it faster.

So, mortgage insurance is really advantageous both for the borrower and mortgage lender and the onus lies on the borrower to hunt for a good deal on mortgage insurance and also on the mortgage itself.

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Mortgage Acceleration - A Reality Check

In a time when the whole nation is deeply troubled by financial meltdown started with mortgage crisis, many desperate home owners looking for all means to save their home. Mortgage Acceleration (MA) is popping up as one of the top means.

"Pay off your mortgage in as little as 1/3 to 1/2 the time without refinancing your current loan or increasing your current payment!" Have you seen these catching head lines for MA in the newspaper or internet? I mean, who doesn't want to get house loan, this huge amount of debt, off their back in half the time this way.

We scrutinized this MA concept and reported back with our research. The essence of MA is interest arbitrage. To average Joe, this sentence doesn't ring much a bell. But this is truly how bank makes money and MA found its entire base on. However, this is a shaky base.

In our research, we carefully studied three cases using free software with numbers plugged in. This basically took the mystery out completely. Everybody can do it and everyone can study it. We made screen shots and included all these in the report.

First case is the classical Example, HELOC rate is higher, and the saving from MA is close to none or even cost money actually. Second case applies in current interest environment. HELOC rate is lower than primary home loan. From the calculation, you can save money handsomely. Number comes out about 1 or 2 thousand per year depends on your loan size. Third case applies to aggressive home owners took out much stretched loans in past few years. Do they still have any equity in their house?

If you want to cut 15 years off your payment period, you need a reality check. Only persons with one or two thousands of positive cash flow and actually applies the money into housing loans can accomplish this. If you do save 15 years off your payment period, this is not because MA either. You are putting extra money into your house every month. There are two ways you can accomplish this. You can put your money in the tradition way, sending it straight to your lender. Or, you can do it the MA way, sending it to HELOC and from time to time, transfer money from HELOC into your primary housing loan.

If you do it the tradition way, put extra cash directly into the mortgage and you can never get it back unless you refinance. In MA way, you put the money in a HELOC, most of it is available at any time. It also eliminates the need to store a large pile of rainy day fund. However, as pointed out by a user in the forum, some HELOC lender tends to reduce your line of credit without notice recently, which can cut you off emergency fund. In the end, you are the ultimate person to determine if you want to go with this.

Finally, the best part, if you can save money from MA, you can "DIY: Mortgage Acceleration". There is no need to buy expensive software if you are generally happy around computer. There is a free software listed in the web site.

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The Best Home Loan

VISIT FOR MORE the-home-mortgage.blogspot.com Tips Home Mortgage, Home Mortgage, Home Mortgage Benefits,The Best Home Loan, Refinance Home Mortgage, Refinance Second Mortgage, Home Equity Loan, The Best Home Mortgage , Mortgage Rate, Bad Credit Loan



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Debt Consolidation

www.OutOfDebtToday.com Simply put, debt consolidation combines all of your debt and rolls it into one loan package. You wind up refinancing that debt with a lower APR. This leads to a lower more manageable monthly payment. A big benefit here for someone who is barely able to scrape by...



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Houston Mortgage Rates

A mortgage rates vary according to the type and the duration of the loan. There are three types of mortgage rates:

1. Adjustable Mortgage Rate

2. Fixed Interest Rate

3. Variable Interest Rate

A mortgage with an adjustable interest rate takes into consideration that an interest rate may change (usually in response to changes in the Treasury bill rate or prime rate. The purpose of the interest rate adjustment is primarily to bring the interest rate on the mortgage in line with market rates. The mortgage holder is protected by a maximum interest rate (called a ceiling) that might be reset annually. ARMs (Adjustable Mortgage Rates) usually start with better rates than fixed rate mortgages, in order to compensate the borrower for the additional risk that future interest rate fluctuations will create.

A fixed interest rate mortgage has an interest rate that will not change, and a variable interest rate moves up and down based on the changes of an underlying interest rate index.

There are numerous Houston based mortgage companies willing to present a ready report of mortgage rate calculator. These companies offer refinancing that involves obtaining a new mortgage loan on a property already owned - often to replace existing loans on the property. When the mortgage rates are low, it is a good time to refinance. Refinancing can save you money on your monthly mortgage payments. These companies also offer lock-in rates, or rate lock option that ensures the borrower a commitment to a specified mortgage rate, including not only the interest rate but also its discount/origination points.

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Cash Out Refinance

If you have owned your home for a period of time long enough to obtain some equity through your monthly mortgage payments and appreciation, you may be considering borrowing off the equity you have established in your home.

This can be known as cash out refinancing, where you basically refinance your home and get some cash back in the way of a lump sum at the closing table.

Borrowing off of the equity in your home is done by many people and used for many different things.

Such as, home improvement projects, new cars, college expenses, family vacations, etc.

Of course, just like everything else in life, the process isn't one of the easiest of things to do in the world. But if you take your time, do your homework, and find the right lender and loan officer, the task in front of you will be a lot less painful.

The mortgage industry is a very competitive one, so be sure to shop around and look for the deal that is best for you.

If you are not interested in doing the shopping around yourself, consider finding a mortgage broker to do the shopping for you.

A mortgage broker is a person who works as a liaison between the customer and the lender. It is the job of the mortgage broker to shop lenders for the consumer to find the mortgage program that best fits their needs and budget.

Allow for a few brokers to assess your situation, than base your decision on the one that best fits your needs and budget.

Keep in mind, most cash out refinances are tax deductible, so be sure to run it by your accountant at tax time.

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Mortgage Prepayment Penalty

Mortgage contracts often come with prepayment penalties. The contract states that if the homeowner pays off the loan before the term expires, a penalty will be paid. Many prepayment penalties expire after five years; however, predatory lenders hide them in their contracts with no expiration.

The sum of the prepayment penalty can be quite hefty; the amount the lender will charge you is often six months worth of interest. This interest is typically calculated on 80 percent of the mortgage value. If you work with a bad credit lender you can expect to see stringent prepayment penalties in your loan contract.

If you know that you will not be moving or needing to refinance, a prepayment penalty can be easy to live with. If you do need to sell or pull out equity by refinancing however, six months of interest payments can be difficult to swallow.

Much of your mortgage contract is up for negotiation. The mortgage marketplace is extremely competitive and lenders are falling over each other for your business. If you have not finalized the loan contract ask the lender to remove it. The prospect of losing your loan over a prepayment penalty is often enough for many mortgage lenders to remove it.

If your mortgage lender will not simply remove it, offering to pay points up front may be worth your while. You could receive a lower interest rate and have the prepayment penalty removed from your mortgage contract. If the lender will not budge on removing the penalty and you do not wish to find another mortgage, try bargaining to have the amount of the penalty or the duration it applies lowered.

There are enough mortgage lenders in the market willing to underwrite loans without prepayment penalties that you should be able to find a mortgage that does not come with one. To find the best deal for your mortgage you need to do your homework and shop around. If you skimp on the homework, how will you recognize a good deal when you see one?

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Great day

Tinny talks



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Refinancing Your Home Loan

www.RefinanceMortgageNow.net Check out my new blog for the following Mortgage Refinance, home loan refinance, refinance mortgage loan, refinance home equity loan, refinance with bad credit, refinance loan rate, morgages



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Calgary Mortgage : Verico Canada First Mortgage : BizBOXTV Calgary Web Video

At Canada First Mortgage, we pride ourselves in the personal touch and relationship building with all of our clients. We are in the business of helping you find the best mortgage rates available, and arrange funding for the purchase or refinance of your property. Simply put, we do the footwork for you to find the most suitable mortgage to fit your lifestyle. We have reserved for us the best rates available through an array of over 40 different leading lenders in Canada, including most major financial institutions. A short conversation with us can alleviate many questions or concerns you may have about your mortgage situation! www.canadafirstmortgage.com



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Benefits of Mortgage Refinance

Buying a home is the best investment you can do in your entire life. Not only that it gives you the pride of becoming a homeowner, it also gives you the security that you have a place to stay at the end of the day. This is why many people apply for home mortgage. The mortgage opens the opportunity to everyone to have a place they can call their own even if these people cannot pay the house in full. Mortgage allows ordinary people to own a home that they promise to pay in definite period and amount.

But what if somewhere along the payment period, the original fixed interest rate has considerably declined?

Since the primary objective of those who avail home mortgage is to own a home, the interest rate can be set aside. While this is just normal, there are people who opt to be more conscious in every single penny they pay. And when the original fixed interest rate has considerably declined, most of them go for a mortgage refinance.

Here are the benefits these people can get when they choose to refinance their homes:

Lower monthly payments

It is true that the house is the biggest asset a person can have. But it is also true that the monthly payment for mortgage is the biggest eater of monthly budget. So, would it be better if homeowners have the choice of lowering down the monthly payment? Refinancing is the best way to do it, since refinance will adopt the current interest rate. Every borrower knows that he or she is paying big on interest rate especially during the first half of the term. If refinanced, the old rate with higher monthly payment is replaced by new and lower rate that equates to lower monthly payment.

Changing from fixed-rate to adjustable rate

Interest rates influence the fees homeowners pay monthly. There are two kinds of interest rates used in mortgages: fixed-rate and adjustable rate. When the rates are low, the adjustable rate mortgages are the most desirable. Meanwhile, if the interest rates are high, fixed-rates can be more ideal option. So if the homeowner has applied for fixed-rate loan and the interest rate have suddenly went down, changing from mortgage fixed-rate to adjustable rate is the best option. This will give him the freedom to use the lower interest rate as an advantage that would result to lower monthly fees.

Option to shorten the length of mortgage

Mortgage refinance would allow homeowners to change the length of mortgage. For instance: A homeowner is on the 7th year of payment on a 30-year term, with mortgage refinance, he can switch to shorter terms and opt either for 10, 15, or 20 years. This will give him thousands of dollars of savings on the interest rate. He can also increase the value of his equity as he pays more on the principal rather than the interest.

Extra cash

Using refinancing, a homeowner can access extra cash through the equity he has built. This is helpful in remodeling the house or paying for other things.

With the proper knowledge on how to use the house as a source of money, any homeowner can benefit with the mortgage they once thought to be "buying a home now and think of the monthly payments later.

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Dan The Mortgage Man - Credit Scores 101

Mortgage Expert Dan 'the mortgageman' Foster demystifies credit / fico scores. Credit scores dissected and what you need to know about your credit when getting a mortgage - Originally broadcast live on Good Day Sacramento



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Loan Modification, Home Loan Modification, Mortgage Loan Modification, Mortgage Modification

realestatemarketingthisweek.com - Watch out for scams; huge fees for Loan Modifications -- Part 7 - Important to point out folks that Velocity Financial is a full service mortgage broker, the majority of our business is writing and originating and underwriting mortgage loans for homeowners, people to buy real-estate, people to refinance their homes, people can still refinance out there, loan modifications are not for everybody, in fact they are for a small segment of the market. Im the founder of the Modification Hotline and we put that in place to help people right now, people dont need a salesman when it comes to these loan modifications, I heard a story today from a home owner that I just couldnt believe, this person that is trying to get loan modification told them that she had to pay them $1500 a month for 4 months and by the time she was finished paying them they guaranteed her some kind of ridiculous, I just dont understand why it is like that. Right now we need to help you get through the situation, we are here for you, we are going to do everything in our power with our national network of attorneys, who are expert negotiators, so it is important that you call. I just want to make the distinction so it is clear for everybody, Velocity Financial is a full service mortgage firm, all things mortgage related and the concept of todays show being loan modification program is a division of something that you kind of created and had some foresight about all of these ...



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5 Mortgage Refinance Tips

Refinancing a mortgage can seem hard. However, the truth is that getting a mortgage refinance is not difficult at all. Here are some tips which will help you successfully refinance your home loan:

- Know why you want to refinance.

Do you want a refinancing to get lower interest rates? Want to reduce your monthly mortgage payments? Need to switch from an ARM loan into a fixed rate mortgage? Your refinancing options will depend on the reasons you want to refinance your mortgage.

- Set some refinancing goals and targets.

Depending on your reasons for wanting to refinance, set goals and monthly payment targets. Pick out an adjustable rate loan or a fixed rate mortgage. Mortgage refinancing calculators are extremely helpful for doing this.

- Know your credit rating

Find out if your credit has changed at all since you initially got your mortgage. Bad credit ratings can affect the interest rates you get, and the loans terms and conditions. Take care of any mistakes or small financial issues.

- Know about any changes in your homes value.

Changes in property values can make it hard to get a refinancing. Unless you have paid a good amount on your home, or it has risen in value, knowing your homes value, and how much you owe, will assist you in getting the proper refinancing.

- Be aware of any mortgage prepayment penalties or fees.

Often, a mortgage will have a form of prepayment penalties or fees for paying off your mortgage early. This does not mean refinancing is impossible, but it is very critical to know the amount of these fees. Make sure you consider all fees and closing costs against any possible savings, to get a true idea of how much you can save.

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Mortgage Refinance Tips

Mortgage refinancing is a personal liability option that can be used to acquire a new mortgage in order to finish off the existing mortgage. Mortgage refinancing can save you a lot of money over the stipulated period.

The primary need in case of mortgage refinancing is about free lock-ins. Closing of mortgage refinancing loan can take about forty-five days from the date of the application. However, more delays can occur depending on various other factors. There are times when 60-day delays are known to have occurred and hence there is the need to look for lenders who are offering you a 60-day lock-in. The act of mortgage refinancing requires that you are careful since it needs financial planning and the person concerned should do it with alacrity.

There is the possibility that you might be offered a free lock-in but the loan officer can charge you a fee or a very high price for your lock-in protection. You can renegotiate if you do not like the way your deal has been planned out. There is a provision of three working days from the day of the closing to think over things. If you decide, you do not want the deal you should inform the loan officer in time and before the expiry of the three day period. The lending firm has a time of twenty days to return your money and it is primarily a personal finance issue.

There are many instances when application costs can be free but in Mortgage Refinancing, this might not be that simple. You have to concentrate on the interest rates and points instead of the application offered at low costs or no costs at all. There can be huge bills that can heckle you just before closing. The goal that you have before you is the lender who gives the lowest interest rate, make intelligent comparisons of interest rates. The interest rates are important and the method to do this is sticking to a fixed number of points. Look for a lender who wants to underwrite small equity. Many market players serve borrowers with as low as 5% home equity. The low equity mortgage refinance loan can lead you to high mortgage insurance costs.

If you want to find out if you qualify, you can call the firm to which you remit your payments and then find out who manages the Loan If you are not aware, which way to get the refinancing can be a big headache. The refinancing can be a dreadful job if this happens. It is under these situations that mortgage refinance tips can be very useful and lead the person to the right way in mortgage refinancing. There needs to be the intelligent comparison of interest rates. The refinance options come to the fore at these times. The result is that the person who is undergoing the mortgage refinance has to be alert and follow the above steps to get the best deal. These steps culminate in a good deal for the customer. The wrong turn in mortgage refinancing could lead to bad financial repercussions and the steps can be made much easier.

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Using a Mortgage Refinance Company Online

Online mortgage companies make refinancing convenient and competitive. By researching mortgage rates and lenders online, you can be assured that you have the best refinancing rates.

Before You Refinance

Before you refinance your current mortgage, do a little financial housekeeping. Check your credit report and make sure all your financial records are in order. This is also a good time to close a couple of unused credit card accounts.

Also, be sure that refinancing your mortgage will actually save you money. The rule of thumb is to make sure that the new refinanced mortgage will pay for itself within three years.

To figure the savings, take the amount you save in reduced payments over three years and subtract the cost of the new loan. This is just a rough estimate since the length of your loans will also make a difference.

Comparing Rates

Online mortgage companies allow you to quickly compare rates by asking you for some basic information. Based on the loan amount, your general credit ranking, and the estimated down payment, you will receive a generic quote. This will give you a rough idea of who is the most competitive lender.

Accurate Quotes

Accurate quotes will only come when you provide the mortgage lender with detailed information. Mortgage rates depend on such factors as your current employment history, home's location, and your precise credit score.

You will also want to add in any points or fees that are part of the loan's cost. At this point in your refinancing process, you should still be comparing financing packages from at least three different lenders.

Applying Online

The hardest part of refinancing a mortgage is finding the right mortgage lender. Once you have found the best rates and fees, you can complete the application process from the convenience of your home.

Online mortgage applications require you to fill out your typical personal and financial information. Once you submit your information, you will receive the final paperwork in the mail within a couple of weeks. You will need to review the terms, sign on the appropriate lines, and have it notarized. The paperwork is then sent back to the mortgage lending company for final approval. The whole process can take less than six weeks.

To view our list of recommended sources for mortgage refinance loans
online, visit this page:
Recommended Mortgage
Refinance Companies Online.

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When To Choose Mortgage Refinance - Know The Break Even Point

Mortgage refinance makes good sense when it reduces your overall debt - plain and simple.

Instead of targeting a specific interest rate you wish to refinance into, it is better to know the break-even point when deciding to choose to refinance or not.

The break-even point in a mortgage refinance is the length of time it will take your overall savings to compensate for the cost of doing the refinance. The cost here would be the "closing costs" the broker charges you to refinance the loan.

Here's an example.

Your current loan amount you want to finance is 250,000 at 8% - monthly payment of $1834.

You are considering a 6% loan, which would bring your monthly payment down to $1580.

This will save you $254 per month.

Keep in mind the closing costs to refinance this loan were $2000.

So, break-even calculated as such...

Cost of Refi divided by savings per month= months until breakeven...

Or

2000/254=7.8 months, which we round up to 8 months.

So it takes 8 months of paying at the new 6% interest rate to cover the cost of the refinance. After 8 months you are truly getting the full $254 savings for the life of the loan. A very smart choice if you like the house and plan on living there.

This is assuming you paid up front for the refi - that is - paid the $2000 out of pocket with cash at the time of closing. But what if you don't have the cash?

If you roll the $2000 into the cost of the loan you would be financing $252,000 at 6.5% and paying a little more per month - $1592. Still a nice savings of $242 per month from the $1834.

Plus there's no breakeven to worry about! You realize a savings as soon as you refinance because you paid no upfront closing fee - you added it to the loan.

What's the catch?

You will pay more in overall interest on the entire loan ($4320 more), by rolling the closing costs into the refinance.

Is this a big deal? Probably not...you've still reduced your monthly payment by $242, right off the bat. Improving your short term cash flow is usually the most important consideration in a refinance situation.

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Mortgage Loan Modification and FHA Home Refinance - How to Qualify

What is loan modification?
In simple terms, loan modification means changing the original terms and conditions associated with a particular loan, and negotiating with the lender for a new set of terms and conditions, which makes it easy for the borrower to repay the loan. While signing a loan agreement, the lender states certain aspects of the loan like the rate of interest at which the borrower has to repay the loan, what the monthly payments are going to be, what is the duration of the credit facility, and in case of defaults what kind of penalties or fines the borrower is liable to pay. At times, the borrower finds it difficult to keep the terms of the loan agreement due to various reasons such as a job loss, unexpected expenditure, a divorce settlement etc, and cannot make the monthly loan payments.Through loan modification program it's possible to change the monthly installment amount by reducing it, or seek a waiver for the late fees or fines. It's also possible to change the interest rate of the loan.

During the process, the borrower has to negotiate with the bank or the lender to redraft or modify the loan agreement. This requires certain skills as far as the negotiation process is concerned, since the lender has to be properly convinced to negotiate, and the average lender does not desire to suffer any loss by giving discounts or waiving the interest charges. Loan modification companies make this possible by through their service.

Availing a mortgage loan modification

Certain conditions have to be met to qualify. They include:

The net income is reduced or lost due to any reason such as a job loss, salary reduction, a failed business etc.
The household conditions change due to the death of the borrower or the co-borrower, death of a relative, unexpected medical expenses or childcare expenses etc.
The net payable monthly dues become excessive due to improper usage of credit cards, an inability to pay off an unsecured personal loan, an increase the utility bills, and even increased taxes.
The cash reserves of the borrower decrease, or are not sufficient enough to cover the existing mortgage payments.

FHA Home Refinance

Mortgage refinancing is similar to a mortgage loan modification in many ways. Through the FHA streamline refinance program, the FHA allows a modification or refinancing on insured mortgages. The word "streamline" in "streamline mortgage refinance" type of loan indicates that some of the conditions stated in the loan document can be altered, or changed, to make the mortgage more "streamlined" for successful repayment of the mortgage loan. FHA supports these kinds of facilities by providing FHA home refinance loans. It's easy to qualify for these kinds of loans. It's also recommended to study the Obama's Loan Modification Plan which supports the FHA.

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New Jersey Mortgage Refinancing

Mortgage refinance is the process of taking out a new loan or second mortgage to replace an existing loan. To refinance a mortgage, one has to actually replace it with a new mortgage loan. Various matters have to be considered when seeking a refinancing loan in New Jersey.

The biggest reason to refinance loan is to acquire a lower interest rate on the mortgage principal balance. The advantages of refinancing are monthly interest payments cam be reduced, rates can be lowed in, repayment of debt can be accelerated, first and second mortgages can be consolidated into one low payment, and tax liens are removed.

With so many lenders in the New Jersey market armed with different deals it is difficult to make a choice. The borrower must be prepared with information about motives for securing a refinance loan, like how much is needed, etc. The borrower should look at all mortgage deals that are out there including total processing fees, interest rates and penalty costs. With this information in hand, a borrower can ask the lender for amortization schedules - a monthly repayment schedule. Then, total the interest of the entire loan term and calculate the total costs of refinancing. Finally total costs of different companies can be compared, and a borrower can settle on the best deal usually one with the lowest cost.

A person who goes in for refinance needs to do a careful appraisal of all terms and arrangements given by the lender, read the entire fine print, do adequate research, choose the best deal and settle for realistic aspirations.

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