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Where To Find The Best Rates For Your Mortgage?


As with all of my articles this will be based on a scenario in my home town. (Which may be similar to yours).

Loans and mortgages can be a tricky business, not to mention a costly business if you are unsure where to go and seek out help. The fact is that most local bankers and lenders will look over your present situation checking items such as your past payment history, your overall credit rating and most importantly your present income. Either yours or yours and your partners. This will in turn pretty much get you 2 or 3 options at best. So you shop around and you get the same offers almost eveywhere you go.

There is another way to help you find the best rate.

With technology advancing and with mortgages being such big business due to the lifespan of how long you will be paying the lender, your options are not nearly as limited as you may or may not be lead to believe. I was doing a seminar a few weeks ago with a room of about 20 people who were all looking at cost effective ways to get into a home and how to make sure they were getting the best option for their money. Now this is very important for several reasons :

1. It's your money, you want the best and most practical mortgage payment available.

2. This is a long term investment, so you do the math here. What makes more sense $700.00 a month or $900.00 a month? Yes, it is a trick question, because it depends on how long the terms are and how much you can afford. It may seem off but alot of times the $900.00 is worse, usually more is better but well read the fine print.

3. You want competition. Keep reading and I will explain.

Alright, the more competition you get the better it is for you in the long run because the lender wants your business. But...if you live in a small town, like I do, you may not have much competition at all. So if you don't like what they offer you what do you do? Do you necessarily take the best offer? Personally I wouldn't...I would do some digging, alot of people still don't realize that you can actually take 5 or 10 minutes at most and check out the internet for a whole slew of lenders and mortgage companies that will literally fight for your business. It's true and it's convenient for you. You don't have to make an appointment, get dressed up, take a "positive" pill and get all stressed out over the meeting. You simply go online, fill out a few forms (as many as you like) and wait for the replies. It's fast, its incredibly effective, and it will more than likely save you a lot of time and money in the long run.

That being said, you should still make sure you are comfortable wih the companies you fill the forms out with and here are a few must tips to doing this :

1. Give out as much personal information as you are comfortable with, don't fill out anything you suspect to be non-required information.

2. Make sure the companis are reputable, look for a B.B.B logo on the page. (Better Business Bureau)

3. This is not a must but a recommendation, when asked for your email give them one you check periodically, I never give out my personal email to any company unless I have been doing business with them for awhile, just to avoid alot of potential email I don't want.

4. Final option, go to www.alexa.com and see what their overall rating is online, take a look at the companies stats. Have they been around awhile? etc. and if you can view their testimonial pages. If they have alot of testimonials then chances are you have found a reputable company to go with.

Well, there it is. The internet can give you alot of options and alot of companies who will fight for your business and again, in the end you win. You will get the best mortgage available and you get to choose the company. Peace of mind.

Until next time.

Take care,

Garret Belisle is the author of a blog designed to help you on your way to home ownership, and some helpful tricks on down payments and credit repair.

You can view the site here at http://www.gbcmortgage.blogspot.com While you're there make sure to sign up for the weekly updates on the bottom left corner to keep up to date with all of the latest advice.


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Tue. June / 25 / 2019


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.


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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 ...


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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 ...


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%.


Mortgage Rates Drop Again -- Homeowners Can Save Hundreds Per Month By Refinancing  Forbes

Mortgage rates are continuing their downward spiral. According to Freddie Mac, the average rate on a 30-year fixed-rate loan has dropped to just 3.82%—down ...


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 ...


As mortgage rates plunge, should you refinance?  Fox Business

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


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.


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…


Refinance rates drop off for Wednesday  Bankrate.com

Several closely watched refinance rates fell today. See what that means for your chances of getting a better mortgage rate.


Mortgage rates are falling—here's how to tell if you could save money by refinancing  CNBC

As mortgage interest rates drop, homeowners could save hundreds per month by refinancing. However, it's not a smart financial decision for everyone.


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 ...


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

The average interest for 30-year fixed-rate mortgages is nearing 4 percent again, ushering the way for millions more homeowners to save money by refinancing.


As mortgage rates plunge, millions more homeowners can benefit from refinancing  CNBC

There are now about 5.9 million borrowers who could see their rates drop by at least 75 basis points by refinancing their mortgages.


Refinance rates decline for Thursday  Bankrate.com

Several key refinance rates sunk lower today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both trended down. The average rate on ...


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.


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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.


Mortgage rates today, June 21, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates tumbled yesterday. It's been a while since we saw a fall this big and a long time since we saw rates this low. This happy situation may ...


Refinance rates tick lower for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both trended down.


Latest 2019-2021 Predictions: Home Sales & Prices, Mortgage Rates & Loan Volume  Yahoo Finance

Last week, our friends at the MBA released their latest predictions on home sales, home prices, mortgage rates, and mortgage volumes. Rates dropping this year ...


Interest rates are down, so is it time to refinance?  WTOP

Interest rates for mortgages are low __ really low. As of the first week of June, long-term mortgage rates were down for the sixth consecutive week. The 30-year ...


Refinance mortgage rate moves higher for Friday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


When Mortgage Refinancing Makes Sense  Seeking Alpha

There are many misconceptions about what happens with refinancing a mortgage and the effect on interest payments. The important factors are rate, time and ...


Mortgage rates decrease for Thursday  Bankrate.com

Multiple benchmark mortgage rates trended down today. See how that could affect your home loan payments.


Nearly 6 Million People Can Now Cut Their Mortgage Payments With Refinancing |  RisMedia.com

With interest on the low side, there is a potential to refinance and save.


Airbnb adds another mortgage refinancing partner  Inman.com

Guild Mortgage has become the latest home loan provider to treat short-term rental revenue from Airbnb as income for homeowners applying to refinance their ...


Refinance rates retreat for Monday  Bankrate.com

Several closely watched refinance rates fell today. If you're in the market for a home loan, see how your payments might be affected.


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 ...


Mortgage refinance candidates swelled by 2 million in May  National Mortgage News

The most borrowers in three years currently qualify for refinancing as the average for the 30-year fixed-rate mortgage dropped below 4% for the first time in over ...


Refinance rates tick lower for Thursday  Bankrate.com

Several closely watched refinance rates sunk lower today. If you're in the market for a home loan, see what that means for you.


Mortgage Investors' Refinance Concerns Rise With Rate Rally  Bloomberg

Mortgage prepayment speeds may rise with the strong U.S. rate rally, and that may be cause for alarm for mortgage investors.


Despite rising home prices, experts pop bubble fears  Bankrate.com

Homebuyers sitting on the sidelines, waiting for housing prices to backslide, might be waiting longer than expected, according to experts. Although the high price ...


Freddie Mac is now offering renovation loans  Washington Post

Freddie Mac is joining the renovation loan space. While the Federal Housing Administration and Fannie Mae have had programs that allow borrowers to wrap ...


Money mistakes you should never make after 30  Bankrate.com

We all make mistakes, but some cost us more than others. As you grow older, money mistakes can have bigger and bigger consequences. Financial miscues ...


Mortgage rates hold at two-year lows, giving borrowers another shot at the action  MarketWatch

Rates for home loans held steady and declined as financial markets bore the brunt of geopolitical upheaval and concerns about lower growth.


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It seems Millennial homeowners are taking advantage of lower mortgage rates. According to new data, Millennial refinances have officially hit their highest point ...


Mortgage Applications in US Dip in Mid-June  World Property Journal

According to the Mortgage Bankers Association's Weekly Mortgage Applications Survey for the week ending June 14, 2019, U.S. mortgage applications ...


Mortgage brokers want relationships, not just tech, from wholesalers  National Mortgage News

Real value comes from the wholesaler using a hands-on approach to ensure that a mortgage broker's customers are treated to the best experience for the life of ...


Mortgage rates move down for Wednesday  Bankrate.com

Multiple closely watched mortgage rates receded today. If you're in the market for a mortgage, see how your payments might be affected.


Mortgage Closing Rate Rises to Highest Level in at Least 16 Months  Mortgageorb

Despite falling mortgage rates, the refinance share of total mortgage volume fell to 32% of all loans in May, down from 35% in April and down from 38% in May ...


U.S. mortgage rates continue three-week hold  Dayton Business Journal

U.S. mortgage rates held form this week and remain near their two-year low point, according to Freddie Mac.


The Costco Membership Benefits You're Not Taking Advantage Of  SheKnows

From travel and car deals to mortgage loans and more, here are the Costco membership benefits you likely never knew were available to you.


Freddie Mac announces fixer-upper mortgage | 2019-06-19  HousingWire

Freddie Mac is launching a new mortgage product that allows borrowers to buy a fixer-upper and finance the renovation all with one loan. Existing homeowners ...


New Freddie Mac Mortgage Combines Purchase and Reno Loans  National Mortgage Professional Magazine

Freddie Mac has introduced the CHOICERenovation loan, which is designed for homebuyers seeking to purchase a home and finance the cost of renovations ...


Debt-Saddled Millennials Are Rushing Into Home Ownership—And It's Costing Them  Fortune

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Freddie Mac has launched a new home renovation loan program that allows home buyers to also finance the cost of renovations with a single-close mortgage.


Mortgage market update 6-21  Atlanta Agent magazine

... from the previous week, according to the Mortgage Bankers Association, which was perhaps unsurprising considering the earlier report's record-high levels.


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If you're retired and applying for a home loan, you're more likely to submit information about your pension and your 401(K) than a W-2.


Blackstone refinancing shopping-center loan debt via $230M CMBS  Asset Securitization Report

Blackstone's real estate affiliate and property management firm SITE Centers Corp. acquired the 12 centers across seven states in 2014.


'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, ...


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With mortgage rates at 2-year lows, here’s how to decide whether to refinance your home loan  MarketWatch

More people are pursuing refinances as mortgage rates have dropped.


Roostify teams up with HSBC Bank USA  Fintech Futures

The new digital home lending experience from HSBC Bank USA, a division of HSBC Group, will be powered by mortgagetech innovator, Roostify,


Refinance mortgage rate ticks higher for Monday  Bankrate.com

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


Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand.


Attorney Mayo Talks Law - Real Estate Closing Without an Attorney  Cape Cod Today

Whether purchasing a property, refinancing, getting a HELOC, or conveying realty in a private transaction, the decision whether or not to be represented by ...


Refinance mortgage rate advances for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. If you're shopping for a home loan, see what that means for you.


Serving an Untapped Borrower Community  Mortgageorb

BLOG VIEW: In today's tight purchase market, Veterans Affairs (VA) renovation loans can deliver a double, bottom-line benefit to lenders. *Service* members ...


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 ...


BFS completes refinance facility for self-build  Mortgage Introducer

Bridging Finance Solutions (BFS) has completed a £114,000 loan to help a client finalise a self-built development project in Swansea. The first-time developer ...


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Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Mortgage rates are low. Here's how to figure out if you should refinance  NBC News

Low mortgage rates have many people thinking about buying a new home or refinancing their current mortgage.


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 rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Refinance mortgage rate dips for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate declined. See what that means for you if you're in the market for a home loan.


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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 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.


Refinance mortgage rate slides for Wednesday  Bankrate.com

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


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 ...


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.


Existing Home Sales Rebound in May: Top 4 Housing Picks  Yahoo Finance

The housing space looks attractive as existing home sales improve from the last two months.


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.


Refinance mortgage rate drops for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a refi, see how that could affect you.


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.


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 ...


Refinance mortgage rate ratchets higher for Tuesday  Bankrate.com

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


Did you refinance your home mortgage last year? You can still qualify for often-overlooked deductions  MarketWatch

f you refinanced your home mortgage last year, you may be in line for some often-overlooked tax deductions on your yet-to-be-filed 2018 Form 1040.


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 ...


Refinance mortgage rate eases for Monday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for you if you're in the market for a home loan.


Refinance mortgage rate ticks higher for Saturday  Bankrate.com

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


Refinance mortgage rate moves higher for Wednesday  Bankrate.com

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


Mortgage application increase led by higher refinance volume  National Mortgage News

Mortgage applications increased last week but unlike the prior period, it was driven by refinance volume as interest rates fell to a one-year low, according to the ...


Refinance rates tick lower for Monday  Bankrate.com

Several closely watched refinance rates dropped today. If you're shopping for a home loan, see what that means for you.


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate fell. The average for a 30-year fixed-rate refinance trended down, but the average rate on a 15-year fixed refinance ...


Rising mortgage rates again reduce refinance application volume  National Mortgage News

Higher interest rates cut refinance mortgage application volume and reduced overall activity even as the purchase index reached a nine-year high, according to ...


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.


Refinance rates move higher for Wednesday  Bankrate.com

Multiple key refinance rates notched higher today. See what that means for your refinance.


What homebuyers and refinancers should know about timing mortgage rate movements  Bankrate.com

It's important to remember that you have options when it comes to your mortgage and trying to predict interest rate movements. The options, however, get more ...


Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The Freddie Mac Relief Refinance Program (FMERR) allows homeowners to refinance with little or no home equity. Home value dropped since you purchased?


Refinance rates rise for Friday  Bankrate.com

Multiple closely watched refinance rates notched higher today. See what that means for you if you're in the market for a home loan.


Freddie Mac intros CHOICERenovation loan to fund renovations and fixer-uppers - RealtyBizNews: Real Estate News  RealtyBizNews

Freddie Mac has just announced a new mortgage offering aimed at those looking to finance fixer-uppers. The offering is also available to existing homeowners.


Foreclosure Listing Provider Earns Highest Rating from TopConsumerReviews.com  STL.News

OVERLAND PARK, KS (STL.News) – TopConsumerReviews.com recently gave a best-in-class 5 star rating to Auction, a leader among websites that help ...


Malibu Boats, Bed Bath, Disney, Verizon and Home Depot highlighted as Zacks Bull and Bear of the Day  Nasdaq

For Immediate Release Chicago, IL - June 24, 2019 - Zacks Equity Research Malibu Boats MBUU as the Bull of the Day, 3D Systems DDD as the Bear of.


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.


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 ...


Refinance rates rise for Thursday  Bankrate.com

Multiple closely watched refinance rates trended upward today. If you're in the market for a refi, see how your future mortgage payments could be affected.


Mortgage refinance booms are a thing of the past: MBA chief economist  National Mortgage News

The era of plentiful refinance volume is over for the foreseeable future, because mortgage rates remained in a very narrow band for the past decade, said ...


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