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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-Payment
  • Fixed Versus Adjustable Rate
  • APR
  • Loan Types
  • Loan Amount Qualification, Income
  • Loan Amount Qualification, Expenses
  • Employment and Credit History
  • Points
  • Sub-Prime Loans
  • Short-Forms

1. Down-Payment - As a general rule of thumb, lenders will be seeking contribution from you of around 3% to 6% of the total loan value. This can be negotiable, and there are many loan packages available.

2. Fixed versus Adjustable - The two most common loan products available for home mortgages are fixed rate versus adjustable rate.

Fixed rate means that you agree on an APR (annual percentage rate) that does not change through the life of the loan, whereas, an Adjustable Rate Mortgage, better known as an ARM, means that rates and monthly payments can change, often tied to the U.S. Government Treasury Bills or some other form of "index", with the frequency of change dependent upon the terms of the loan.

Deciding on which way to go involves many variables. We suggest that you start by examining the fixed rate products available on the market. They are by far the most popular, and arguably with the least amount of risk. After evaluating several preliminary loan offers (quotes) for fixed rate mortgages, you can then venture into the world of ARM's to see if one of these products may be right for you. But, proceed with caution, and understand all the risks, alongside any potential benefits.

3. APR - APR, better known as the annual percentage rate, aka: "rate", is arguably the most important consideration you must examine when looking for a loan. The APR includes principle, interest, "points", fees, PMI (Mortgage insurance), and other costs associated with the loan. While all costs and terms are significant and affect the bottom line, we suggest that shopping rate is a very good starting point.

4. Loan Types: There are several standard loan products to look for, including 30 year fixed, 15 year fixed, bi-weekly mortgages, 1 month ARM's, 5 year fixed ARM's, 2nd Fixed, ARM's with a provision to convert after 5 years, lender buydowns, and discounted mortgages.

We think the best place to start, is to obtain quotes for a 30 year fixed rate loan, and then go from there. 30 year fixed rate loans generally produce the lowest monthly payments for fixed rate products, and they are relatively safe. Once you know where you stand with a 30 year fixed, after obtaining quotes from several lending institutions, then you can consider the possibility of exploring more exotic loan products. At this juncture, you will want to consult with those you trust, for good, solid advice and feedback on risk versus reward.

5. Loan Amount Qualification, Income: This can vary widely depending on you, your lender, and many other variables. However, as a rule of thumb, look at 2 to 2 ½ times your current household income, as a baseline to determine how much you can afford to borrow.

6. Loan Amount Qualification, Expenses: This is another broad category that varies from one lending institution to the next. However, there are two general factors to look at, and they are Housing Expenses (such as mortgage, property taxes, and insurance), and long-term debt (which can include credit cards, auto loans, etc.).

First, add all your expenses together. As a rule of thumb, you will want your expenses to not exceed 33% to 36% of your gross household income.

Second, examine your housing expenses only. As a rule of thumb, you'll want these expenses to not exceed 25% to 28% of your gross household income.

7. Employment and Credit History: Lenders generally want to take a look at your employment history so that they can see a pattern of stability and income. Lenders generally also want to take a look at your credit history, so that they can see a pattern of borrowing and repayment in your past. Lenders cannot discriminate and must use this information solely for the purpose of considering your ability to repay a loan. Also, many loan products are available for all kinds of customers, with varied financial backgrounds and histories.

8. Points: Points are one of the primary fees charged on the loan, and they represent the profit earned by the lending institution. One point represents one percent of the total loan amount, and points are usually tax-deductible (along with the interest paid on the loan). They are broken down into two basic types:

Origination Points - Origination Points are the fees charged by the lender, and represents their gross profit.

Discount Points - Discount Points are most often charged in association with a lowered interest rate. In other words, the Discount Points represents a dollar amount, as a fee for giving the borrower a lowered APR (lower than what the lender might otherwise charge).

9. Sub-Prime Loans: Sub-Prime Loans consist of loan products designed for customers with challenging credit and financial backgrounds, or, customers that are looking to re-establish credit. They can be significantly higher then the prime lending rate, with less favorable terms (Often times, the loans are for the short-term, such as 2 to 3 years). However, they do offer a venue for certain individuals, and they can allow customers to re-establish credit, or buy new homes prior to cleaning up a credit history, etc.

For some of you, this avenue may offer exactly what you're looking for. It's important to know that lenders who specialize in sub-prime loans are out there and want to earn your business. However, we advise that you proceed with caution. Be sure to gather sound advice from trusted friends and professionals, and understand all the risks versus rewards, prior to signing on the dotted line.

10. Short-Forms: The most important thing you can do as a consumer of loan products is to shop around and get several preliminary loan quotes for your consideration.

These are no risk, no obligation, preliminary loan offers. They take 30 seconds to 2 minutes to complete, they require no personal or confidential disclosure on your part, and they require no commitment from you.

We suggest that you obtain 3 or 4 offers. You can then examine and compare the terms, rate, fees, and all other pertinent information about the loan product, and the lender, at your leisure and in the comfort of your own home.

Loans-Directory.Org has categorized hundreds of online services that you can explore. You can also go to any search engine and find them from there. Look for a "privacy policy" on their website, as well as short, simple application forms that make sense and are relatively easy and quick for you to complete.

Also, take a quick look at the current interest rate for 30 year fixed loans, as well as the 6 month trend graph. We have set up a free webpage with this information, or you can find many graphs and charts via your favorite search engine.

We've enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, but never turn your back on your own common sense.

Publishers: This article may be freely distributed so long as the copyright, author's information and an active link (where possible) are included.

Disclaimer: Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.

About The Author

Copyright 2005, by Loans-Directory.Org , This article is available in full format at: Home Loans , Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services.


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Wed. July / 17 / 2019

Good time to refinance your mortgage?  Fox Business

The 30-year fixed mortgage rate recently reached its lowest levels since September 2017.


How to Refinance a Mortgage and When to Do It  TheStreet.com

Your mortgage can cost a lot of money over time. Here's how it might just cost a little less....BAC.


Refinance rates advance for Monday  Bankrate.com

Several benchmark refinance rates cruised higher today. If you're shopping for a mortgage, see what that means for you.


Refinance rates trend higher for Wednesday  Bankrate.com

Several closely watched refinance rates cruised higher today. See what that means for your refinance chances.


Weekly mortgage applications drop as rates rise and homebuyers pull back  CNBC

Mortgage interest rates surged last week to their highest level in a month, and consequently homebuyers turned on their heels.


Consider a Mortgage Refinance, Even If You Bought Recently  NerdWallet

Mortgage rates have fallen so much lately that millions of homeowners might benefit by refinancing — even if they bought a home in 2018.


Fed interest rate cuts to usher in new era for home buyers | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Home prices are high but there's hope for home buyers. Falling rates should make homeownership more affordable as the Fed seeks to cut rates in 2019.


Refinance mortgage rate eases for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you're shopping for a mortgage, see how your payments might be affected.


Mortgage rates today, July 15, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose again on Friday, as we predicted. However, for the second day running, the increase was sharper than we expected. So those ...


Refinance rates retreat for Wednesday  Bankrate.com

Several key refinance rates trended down today. See what that means for you if you're in the market for a mortgage.


Refinance mortgage rate retreats for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a mortgage, see how your payments might be affected.


Debt Consolidation with Mortgage Refinancing: How to Pay Off Debt with a Refinanced Mortgage  Zing! Blog by Quicken Loans

Considering a mortgage refinance to consolidate debt? Before you do, read our guide to make sure you understand how it works along with the pros and cons.


4 irresistible perks of a VA mortgage refinance  Bankrate.com

Interest rates are near historic lows, and one particular VA loan refinance option that is easy to qualify for can enable homeowners to save thousands on their ...


How to get the best deal on your home mortgage refinance  cleveland.com

Mortgage rates may be rising but there's still room to refinance your home loan. You might have heard much said about the constant rise of interest rates over the ...


Should you refinance your mortgage now?  Clark.com - Clark Howard

Money expert Clark Howard has a simple rule for when to refinance your mortgage. See if it applies to you and how you can hit a "grand slam" if you do it.


Liz Weston: Shop for refinance rates with no credit score dip for multiple inquiries  OregonLive

Dear Liz: We're planning to refinance our mortgage and are concerned about generating multiple credit inquiries which would lower our excellent credit scores.


Fixed mortgage rates end up back where they started after an up-and-down week  The Washington Post

Mortgage rates were caught in a tug of war this week as economic news pushed them up and then pulled them down, leaving them back where they started.


Refinance mortgage rate slides for Monday  Bankrate.com

Refinance rates were mixed, but one key rate decreased. If you're shopping for a refinance, see what that means for you.


Weekly mortgage rates fall further, but only refinance applications rise  CNBC

Mortgage application volume was 40% higher than a year ago, largely because lower rates are strengthening the refinance market.


This is how ridiculously low mortgage rates are now. A historical perspective | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Home refinance rates are low. This is a statement which is both true and does not adequately describe the current mortgage situation. Mortgage rates in the 3% ...


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for your chances of scoring a killer refi rate.


More than 8 million homeowners are leaving big money on the table by not refinancing  CNBC

Mortgage rates have been on a roller coaster for the last year, but now they're sitting at the bottom of the track, and that is giving a major boost to the number of ...


Refinance mortgage rate moves up for Monday  Bankrate.com

Refinance rates were mixed, but one key rate cruised higher. See what that means for you if you're in the market for a mortgage.


U.S Mortgage Rates – FED Chair Powell Pins Mortgage Rates Back  Yahoo Finance

Mortgage rates held steady as FED Chair Powell offset the effects of the previous week's NFP numbers on Treasury yields…


Mortgage rates today, July 16, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates held steady yesterday, as we predicted. That was a relief after four days of rises, the last two of which were fairly sharp. Of course, they ...


6 Strategies To Make Your First Mortgage Refinance A Success  CBN News

Mortgage rates may be rising but there's still room to refinance your home loan. Use these six ways to get the best deal on your first mortgage refinance.


Low mortgage interest rates stimulate homeowners to refinance  Chicago Daily Herald

The usual reasons to refinance a home mortgage loan are to reduce the monthly payment or to raise cash. The third option, which is underappreciated, is to ...


Your money: Buying or refinancing? The mortgage rate frenzy is back  Reuters

Mortgage rates are nearing historic lows again in the United States, making it an ideal time to buy a home - or refinance.


Mortgage rates go up for Monday  Bankrate.com

Multiple benchmark mortgage rates climbed today. If you're shopping for a mortgage, see how your payments might be affected.


Mid-year review: What’s happening in housing, and more important, what’s not  Bankrate.com

The first half of 2019 bore promising gifts to eager homebuyers, namely low mortgage rates and slowing home price growth. This comes, however, amid a ...


Buying or refinancing? The mortgage rate frenzy is back  STLtoday.com

Average rates are around 3.82% nationally for 30-year-fixed mortgages, after peaking near 5% in November.


Here's what mortgage rates might do after the July 2019 Fed meeting | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Will mortgage rates rise or fall after the Fed meeting in July. Most experts think the Fed will cut bank rates and that mortgage rates will also be reduced. But what ...


Millennial refinances are taking nearly a week longer to close  National Mortgage News

Millennials flooded the mortgage market to refinance on lower rates, but the industry couldn't manage activity as quickly, according to Ellie Mae.


Mortgage rates today, July 12, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose yesterday, as we predicted. However, the increase was sharper than we expected. It wasn't huge (equal-third biggest movement ...


Should you refinance your mortgage now? | FOX13  FOX13 Memphis

Mortgage refinancing rates in recent weeks have been dropping at a pace we haven't seen in quite a long time.


Personal Finance: What you should know about refinancing your mortgage  Chattanooga Times Free Press

Following the Great Recession, mortgage rates plunged to historic lows in 2012. This presented a perfect opportunity to refinance and capture the savings.


Mortgage rates poised to drop after Federal Reserve announcement  The Washington Post

Mortgage rates showed little change heading into the Federal Reserve meeting. But now that the central bank has revised its stance, they could be headed ...


Benchmark mortgage rate falls for Tuesday  Bankrate.com

Mortgage rates were mixed today, but one key rate was down. The average for a 30-year fixed-rate mortgage ticked downwards, but the average rate on a ...


Could we see 2% mortgage rates before this is all over? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Is it really possible that we'll see 2% mortgage rates in the next year or so? No doubt some folks laughed when we suggested earlier this year that mortgage ...


Mortgage rates sink to a 31-month low after Federal Reserve expresses uncertainty about the economy  The Washington Post

Mortgage rates hit their lowest levels since November 2016 on the heels of the Federal Reserve meeting last week. According to the latest data released ...


Refinance rates tick lower for Tuesday  Bankrate.com

Multiple closely watched refinance rates sunk lower today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both declined. Meanwhile ...


U.S Mortgage Rates – Mortgage Rates Slide Again as the FED Turns Dovish  Yahoo Finance

Mortgage rates were back on the slide following the previous week's 1st rise in 7-weeks. In the week ending 27th June, 30-year fixed rates fell by 11 basis points ...


Benchmark mortgage rate moves lower for Wednesday  Bankrate.com

Mortgage rates diverged today, but one key rate fell. See what that means for you if you're in the market for a mortgage.


Mortgage rates move up for Tuesday  Bankrate.com

Multiple closely watched mortgage rates trended upward today. If you haven't locked yet, see how your future home loan payments could be affected.


Housing remains positive as uncertainty holds down rates: Fannie Mae  National Mortgage News

Fannie Mae increased its mortgage origination forecast as lower interest rates, driven by economic uncertainty, will lead to more refinance activity, but other ...


Rising rates cause drop in mortgage apps, yet refis remain strong  National Mortgage News

Higher interest rates led to a 1.1% seasonally adjusted decline in mortgage applications compared with the previous week, according to the Mortgage Bankers ...


More than 8 million borrowers can now benefit from refinancing their mortgage  HousingWire

Last week, Freddie Mac's fixed mortgage rate fell to its lowest level in three years, bumping the pool of refinance candidates up significantly. At the end of June, ...


Over 8 million homeowners are leaving big money on the table by not refinancing  The Coloradoan

Refinancing can lower monthly payments, but it can also provide easy money for homeowners with high levels of home equity.


Tech improvements help make mortgage refinancing faster | Business  PostBulletin.com

A massive wave of homeowners now has an incentive to refinance their mortgages and they could find the process faster than it's been in recent memory thanks ...


Interest Rates Are Down; Is It Time to Refinance Your Mortgage?  Money and Markets

The 30-year fixed rate average was below 4%. If you're a homeowner, you may be wondering if now's the time to refinance your mortgage.


Refinance rates tick lower for Thursday  Bankrate.com

Multiple benchmark refinance rates receded today. If you're shopping for a home loan, see how your payments might be affected.


Weekly mortgage applications fall as rates rise, volume remains much higher than last year  CNBC

Mortgage applications were down 3.4% from the previous week, but still up 31.6% from a year earlier, according to the Mortgage Bankers Association.


No Closing Cost Mortgage Loans  NerdWallet

A no closing cost mortgage reduces out of pocket payments at loan signing but can cost you thousands of dollars if this is your forever home.


Mortgage rates fall for Tuesday  Bankrate.com

Multiple key mortgage rates receded today. If you're in the market for a mortgage, see what that means for you.


U.S Mortgage Rates – Rates Rise for the 1st Time in 7-Weeks  Yahoo Finance

30-year fixed mortgage rates rose for the 1st time in 7-weeks. The latest FOMC projections and rising geopolitical risk could reverse that with interest…


Guild Mortgage launches refi option for Airbnb hosts  HousingWire

Guild Mortgage has partnered with Airbnb to launch a refinance program for property owners who host guests through the Airbnb platform. The program allows ...


Lend America exec to be sentenced in fraud case  Newsday

A Long Island man who pleaded guilty to felony charges in the collapse of a $1-billion-a-year mortgage lender is scheduled to be sentenced in federal court ...


Dime - How Do I Know When to Refinance My Mortgage?  LongIsland.com

If you've ever wished your mortgage payments were lower, or that you had a little more money to do repairs or go on vacation (and really, who hasn't?)


It’s Your House, Only Cheaper — Why Homeowners Should Refinance Now to Save Big  PaperCity Magazine

Are you leaving money on the table when it comes to your home mortgage payments? If you are one of 5.9 million, homeowners who could lower interest rates ...


9 Housing and Mortgage Trends for the Rest of 2019  Yahoo Finance

The first half of 2019 surprised housing markets across the country: Mortgage rates fell. That's the opposite of what the experts had predicted at the beginning of ...


How low can mortgage rates go? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates are low as of this writing, really low, but can they go lower? Lower rates would be great for borrowers and yes, that could happen.


Bank of America CFO warns falling rates will hit net interest income  CNBC

The growth in net interest income, a main engine of the industry's profit, looks to slow to a halt in the back half of this year.


4 Student Loan Refinancing Myths Debunked  NerdWallet

Student loan refinancing isn't a scam. To help you decide whether refinancing is a good option for you, we're addressing four common misconceptions.


Mortgage rates trend down for Wednesday  Bankrate.com

Multiple key mortgage rates receded today. If you haven't locked yet, see how your future mortgage payments could be affected.


Refinancing Jumps in Government-Backed Mortgages, Bucking Market  Bloomberg

A surge in government-guaranteed mortgage refinancings is underway, bucking the decline in the broader market since early June.


Should you get a personal loan instead of a HELOC or cash-out refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

So you want to borrow some money and you're not sure about the right type of loan. Should you get a personal loan, home equity loan, or opt for a cash-out ...


Mortgage rates predicted to fall to "the lowest they've ever been" | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates fell to 3.84% in mid-June according to Freddie Mac, but could they go lower? A lot lower? Even the lowest they've been in 50 years? Mortgage ...


Mortgage rates fall as the Fed hints at future rate cuts | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The Federal Open Market Committee (FOMC) meeting ended Wednesday with a no-hike decision, but that didn't dissuade markets from believing a July rate cut ...


Mortgage rates today, June 24, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose on Friday, as we predicted. But the increase was tiny. Leaving aside Thursday, that average is currently at its lowest since ...


When Alison wanted to refinance her loan in her 50s, she believes she was knocked back due to her age  ABC News

When Alison's marriage broke down when she was in her 50s, she wanted to borrow money to keep one of the houses she owned with her husband.


Kennedy Funding Closes $1.575 Million Cash-Out Refinancing Loan For Virginia Property  PRNewswire

ENGLEWOOD CLIFFS, N.J., July 16, 2019 /PRNewswire/ -- Kennedy Funding, (www.kennedyfunding.com), the Englewood Cliffs, New Jersey-based direct ...


Why I’m puzzled by America’s student debt crisis  Chicago Sun-Times

People who took out student loans can't repay them, and the economy may collapse. Maybe people could just live within their means.


Dougherty Mortgage Closes $1.8 million HUD 202/223(f) Loan for Lakeland Shores Apartments  MultifamilyBiz.com

DULUTH, MN - Dougherty Mortgage recently closed a $1.8 million HUD 202/223(f) loan for the refinancing of Lakeland Shores Apartments, a 46-unit ...


Now the perfect time to refinance homes  Yahoo News

Brian Sacks, a mortgage loan originator for Homebridge, tells why now is the perfect time to refinance your home.


Fixed mortgage rates return to their starting point after tumultuous week  Columbia Daily Herald

WASHINGTON — Mortgage rates were caught in a tug of war this week as economic news pushed them up and then pulled them down, leaving them back ...


Mortgage rates today, June 18, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose just a little yesterday, roughly in line with our prediction. Your rate may well have held but, if so, your closing costs may have edged ...


Refi Closings for Millennials Taking Longer  National Mortgage Professional Magazine

A combination of lower rates and more Millennial homebuyers has resulted in a refinance closing rate that took six days longer from April to May, according to ...


Wells Fargo (WFC) 2nd Quarter Earnings: What to Expect  Nasdaq

Shutterstock photoThis looks like it can finally be the year Wells Fargo (WFC), which has been overwhelmed one scandal after another, takes a.


New Ways to Think About Your Mortgage  Morningstar.com

Christine Benz: Hi, I'm Christine Benz for Morningstar.com. Thanks to the new tax laws, carrying a mortgage may make less financial sense now than it did in the ...


Fed holds rates steady. Here's what that means for you  CNBC

If you're concerned about what Wednesday's Fed decision means for your bank account, mortgage loan or credit card — as well as student debt, home equity ...


Here's how Trump is pushing down mortgage rates | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Is there a Trump effect that's pushing down mortgage rates? The power of the presidency is enormous but does it include real estate financing?


The power of mortgage insurance — and which state's buyers use it most | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage insurance often gets a bad rap. But according to new data, it actually helped more than 1 million Americans either purchase a home or refinance their ...


Arvest Bank hits $1B mortgage mark for 17th year  Tahlequah Daily Press

FAYETTEVILLE – Arvest Bank announced this week that its mortgage division has originated more than $1 billion in mortgage loans for the 17th year in a row.


Time To Refinance with First Northern Credit Union  MyStateline.com

Who doesn't like saving money? When it comes to your mortgage, any amount helps! Jessica Rielly from First Northern Credit Union shares why now is the time ...


Manhattan developer busted in mortgage fraud scheme  New York Post

British born developer Penny Ann Bradley, 54, was arrested Wednesday and accused of fraudulently obtaining more than $12 million worth of loans in 2015 and ...


Freddie Mac CHOICERenovation construction / renovation loan: [current_year] guidelines | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The CHOICERenovation (sometimes written “Choice Renovation”) mortgage from Freddie Mac gives borrowers a new option to buy and fix-up homes without ...


'Now Is The Time To Refinance': Low Mortgage Rates Cause Surge In Refinancing  Forbes

Last week's massive dip in mortgage rates apparently pushed homeowners into action. According to new data from the Mortgage Bankers Association, ...


VA loan churning is driving up mortgage costs for all government borrowers  HousingWire

The churning of loans backed by the Department of Veterans Affairs has long been a thorn in Ginnie Mae's side, as the agency has worked for three years to ...


Mortgage rates today, June 19, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

We predicted average mortgage rates would fall yesterday. And they did, but much further than we expected. They're now back to being extremely close to their ...


Homeowners have big renovation plans this year — but paying for them? That's another story | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Nearly one in two homeowners is planning to renovate in the next two years. Though HELOCs offer a good source of funding for these projects, according to a ...


As mortgage rates plunge, should you refinance?  Fox Business

Nearly 6 million people can now cut their mortgage payments with refinancing.


As rates drop, mortgage refinancing surges but home purchase loans remain tepid  USA TODAY

Homeowners scramble to refinance mortgages as rates hit the lowest level in 17 months. But mortgage applications for home purchase rose just 0.5%.


How to use a personal loan for debt consolidation | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Debt consolidation can help millions of Americans who are burdened with high monthly payments on cards and loans. Explore how personal loans can help ...


If You Ever Want To Retire, Here's The Best Way To Refinance Your Mortgage  Forbes

The usual reasons to refinance are to reduce the monthly payment or to raise cash. The third option, which is under-appreciated, is to shorten the period of ...


Mortgage rates haven’t been this low since 2016 — here’s how to decide whether to refinance your home loan  MarketWatch

More people are pursuing refinances as mortgage rates have dropped.


Nearly 6 million people can now cut their mortgage payments with refinancing  Bankrate.com

The recent drop in rates means that 5.9 million people can potentially save money by refinancing their existing home loans and securing a lower rate -- two ...


Upper East Side developer funded “lavish lifestyle” through mortgage fraud: Manhattan district attorney  The Real Deal

Penny Bradley has been arrested and charged in New York over allegations she conducted a multimillion-dollar mortgage fraud scheme to fund her "lavish ...


Mortgage application activity remains high as rates stabilize  Boston Agent Magazine

Mortgage application activity fell during the week ending July 5 compared to the previous week, although overall volume remained above levels seen at the ...


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 ...


Refinance mortgage rate drops for Friday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a refi, see how your future mortgage payments could be affected.


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