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How mortgage refinancing could helping you. When folks say refinancing their mortgage, they’re typically talking concerning swapping their previous mortgage at a high interest rate with a brand new mortgage at a lower interest rate. With rates lower on fifteen and thirty year fastened rate mortgages by around an entire, several families are taking advantage [...]
I have a 30yr fixed 4.93% interest on my 140k home, I currently owe 130k. My monthly mortgage is $1.116. If I refinance, according to several sources, I can lower my monthly bill to the 700-800 range. How is this possible if I would be refinancing at a higher interest rate, around 6%? With [...]
A little background: my fiance and I bought our first home in February 2008. We qualified for a first time homebuyer loan. The interest rate is 6.3%. We do not pay PMI. We have about 11% equity. We have paid on time every month, and even paid a little extra towards principal.
A couple [...]
In: Refinancing8 Sep 2011
2/28 ARM now, want great fixed rate.
In: Refinancing7 Sep 2011
I have a fixed rate 15 year mortgage at 5.375%. I still owe $100,000 on my home. I’d love to refinance since I know I could probably get a rate below 4 1/2%. With the taxes and fees, would that be worth it?
I’m not looking to pull cash out of my house [...]
I purchased my home one year ago and now I am refinancing. The appraiser is coming next week. What will they do? If a spare room and garage is messy will that affect the appraisal cost? Will they look in my closets? What if the appraised value changes good or [...]
In: Refinancing2 Sep 2011
with the fed cutting the rates so low, now would be a good time to think about refinancing right? my mortgage interest rate is currently 6.25 fixed, i think we owe about $95,000 on it. my husband and i have excellent credit, and we’ve been in our home for 5 years. would refinancing lower our [...]
In: Refinancing1 Sep 2011
When I bought my house it was worth 291,000 where I made a down payment of 20,000 and now I am having an appraisal getting done and with the housing market as it is, i’m sure its worth much less. I originally had a 5 year ARM mortgage at a 5% rate but am now [...]
I bought several houses in my time and therefore thought I was an “expert” on getting a good mortgage. Now I’m looking for a straight answer on the best refinance rate, and a mortgage broker says pricing on loans includes factors that “were not there even one year ago”, such as: FICO score, loan [...]
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