mortgage refinance

วันพฤหัสบดีที่ 7 เมษายน พ.ศ. 2554

Christopher Cavazos - Mortgage Rates & Fees | Quicken Loans

Hi, my name is Christopher Cavazos - I'm a President's Club Banker here at Quicken Loans. I wanted to talk to you today about getting an accurate rate and fee combination. A lot of times, throughout the last six years I've been here at Quicken Loans, I've talked to clients that are a little hesitant about giving out personal information. I myself completely understand about what is involved in the loan process and there's a lot of different things that, you know, I have the knowledge about and have to impart onto my clients to obviously get someone to understand why we get the information that we need. The big things to keep in mind are every loan is specific to each client. No one receives the exact, you know, rate and fee combinations from one loan to the other. There's a multitude of ways you can price out a loan - whether you're taking cash out, whether your credit score is 700 to 720, the state you're in, the states guidelines. So giving us the ability to take a look into your specific situation, maybe stepping a little bit out of your comfort zone to allow us to put together the best financial solution is going to result in us not only being able to define whether or not the loan makes sense but then at that point put together numbers that are based on exactly what you want to do versus just quoting you a rate which effectively is not going to be the best way. You know decide on which lender you want to work with - even decide to work with us - the bottom line is ...

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วันพุธที่ 6 เมษายน พ.ศ. 2554

Loan adjustment caLcuLator daiLy absorption Loan adjustment caLcuLator

In terms of mortgage loans, you will come across the idea of amortization. Amortization refers to the process of accounting for a sum of money over a specified period of time. When it comes to a home mortgage loan, figuring out an amortization schedule can add up to a lot of mathematical calculations, which get confusing very quickly. Instead of doing all of this work yourself, make compiling amortization schedules simple through the use of home mortgage calculators. They are easy to use, and are available online anytime you are ready to crunch some numbers. You can use an online mortgage calculator to help you determine an amortization schedule based on your current house payment, or for a new home you are considering purchasing, or for a new mortgage refinance. All you have to do is enter in the loan amount, the annual interest rate and the length of the loan, and the calculator does the rest. It will produce a month by month and year by year schedule of the total loan amount and how it is reduced with the monthly payments that you make. Other amortization schedules are available that you can produce yourself with an online calculator. It can make good financial sense to try to pay additional amounts over and above the minimum required for your monthly mortgage payment. This can reduce the total number of payments you will have to make to repay the loan, and it will save you thousands of dollars in interest payments. You can run several possible scenarios by entering ...

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วันอังคารที่ 5 เมษายน พ.ศ. 2554

Faces of Foreclosure— Tomas Hernandez

www.defendyourdollars.org Tomás Hernandez of San José, California is a 42 year old Spanish-speaking first time homeowner. He has struggled to make his mortgage payments on a refinance loan. In January 2009 he missed his first payment and is now in default. He and several other San José, California area Hispanic residents have sued the loan broker, the loan brokerage company, the real estate agent, the private lender and several others involved in the purchase and financing of their homes. They say that the defendants in their lawsuit were involved in a conspiracy targeting Hispanic households for predatory loans. The suit was filed on October 22, 2007 in United States District Court in the Northern District of California. To take action and learn more about Tomas and the Faces of Foreclosure go to www.defendyourdollars.org

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วันจันทร์ที่ 4 เมษายน พ.ศ. 2554

Mortgage Debt Part 2: The True Cost of Mortgage Debt

In this video, we take an in depth look at the cost of mortgage debt, our biggest yet often least understood debt. At the end of this video you'll know how expensive mortgage interest really is, what your actual interest rate is and why every homeowner with mortgage debt needs a good mortgage...