find mortgage and refinancing information Akron Ohio

Channel:

We would like to thank the local libraries, schools, and universities for recommending students to visit us when doing research on any of our information topics.
 Please check back frequently as new topics are added and current topics are updated daily.

 

Home Equity Loan Improvements


There's more Regulation Z compliance on the way, courtesy of the Home Equity Loan Consumer Protection Act. This fall banks will have to implement the new home equity loan disclosure rules the Federal Reserve Board was required to issue under the act.

The Federal Reserve released the final version of the home equity regulation on June 5. The rules were made effective June 7. However, compliance is optional until Nov. 7 because Congress gave institutions five months after finalization to start. However, there's no time like the present.

This column is devoted to bankers' most common questions about the demands of this complicated rule. You should, of course, check the regulation and consult legal counsel before acting on these suggestions.

Product Design

Q. This is a disclosure regulation. Does that mean that, while we must provide customers lots of information about home equity products, we are free to design them as we see fit?

A. No. The regulation leaves many design matters to lenders and provides options in a number of other areas. At the same time, however, it creates three absolute restrictions on design:

(1) If you offer a variable-rate program, you must use a base rate beyond your control. Information on that rate must be generally available to the public. Examples include the prime rate as published in The Wall Street Journal or rates on U.S. government securities.

(2) Lenders generally may not terminate the plan and accelerate the balance before the loan's scheduled expiration. There are three exceptions: customer fraud or misrepresentation; failure to meet repayment terms; or action or inaction adversely affecting collateral.

(3) Lenders may not unilaterally change any but insignificant terms of a home equity plan, with the following exceptions:

* You may make changes provided for in the contract, as long as both the triggering event and the resulting changes are stated specifically in the contract.

* You may substitute a new index if the original index becomes unavailable. This is subject to two conditions: the new one's historical fluctuations must be substantially similar to the old one and it must produce a rate similar to that in effect when the old index became unavailable.

* You may prohibit further advances or reduce the credit limit in four circumstances: if the value of the dwelling falls significantly below original appraised value; if you have a reasonable belief, based on evidence, that there has been a material adverse change in the customer's ability to repay; if the customer defaults on any material obligation he's agreed to under the plan; or if government action--such as a reduced usury ceiling--either precludes imposition of the agreed upon annual percentage rate (APR) or adversely affects the priority of your bank's security interest.

If you impose restrictions based on these four situations, you must reverse your action if and when the problem is eliminated. Preparing Early Disclosures

Q. What are the basic early disclosure requirements?

A. The heart of this regulation is a new requirement that customers be given detailed disclosures and a general brochure about home equity plans when provided with an application form. The only exceptions are for applications contained in magazines or taken by telephone or through third parties. In these cases, the lender can mail or deliver the disclosures and brochure to the customer within three business days after receiving the application.

Q. Do these disclosures have to be in a form the customer can keep?

A. Not when they are provided with the application. This means that you have the option to simply print the disclosures on the application form. If you do so, however, you must include a statement suggesting that the customer make a copy.

Q. Must early disclosures be presented in any particular format

A. Yes. You must be sure that certain required terms are grouped together and are segregated from other information. These terms include the following (assuming they are applicable); the first four must precede all others:

* The customer should keep a copy of the disclosure.

* Any time limit within which the customer must apply to receive the terms described. Alternatively, include a statement that terms may change. In addition, the lender must state that the customer has the right to a refund of any fees if any terms change and if, as a result, the customer decides not to enter into the plan.

* A warning that the lender is acquiring a security interest in the customer's dwelling and that the customer could lose his home if he defaults.

* An advisory that, under certain circumstances, the lender may terminate the plan and accelerate any outstanding balance; prohibit further advances; reduce the credit limit; or otherwise change the plan, as provided in the loan agreement.

* A discussion of the plan's payment terms. This should include: the length of the draw period and any repayment period; an explanation of how the minimum payment is determined, the timing of payments, and whether making only minimum payments would not repay any or all of the principal balance; and the fact that the plan permits conversion of the balance to a fixed-term loan.

You must also include an example, based on a $10,000 outstanding balance and a recent APR, showing the minimum periodic payment, balloon payment, and the time needed to repay the $10,000 loan making only the minimum and balloon payments, with no additional advances.

* For fixed-rate loans, the APR must be one that was in effect within the previous 12 months. For variable-rate plans, the historical table satisfies this requirement.

* A description and itemization of loan fees that the lender charges to open, use, or maintain the account. These can be stated as dollar amounts or percentages. You must also give a total dollar estimate of fees imposed by third parties and invite the customer to request more specific information.

* The fact that negative amortization may occur and that it increases the principal balance and reduces the customer's equity.

* Any limits on the number and size of credit extensions within any time period and any minimum balance or draw rules, stated as a dollar amount.

* A statement that the customer should consult a tax advisor regarding the deductibility of interest and charges.

Q. If we offer a variety of home equity plans, are we required to have a separate disclosure notice for each one?

A. No. The bank can choose to devise a separate plan disclosure for each home equity product or to use a more generic disclosure to cover all of them.

If you use individual disclosures, you must inform customers that they should inquire about other options.

If you use a single generic disclosure, you are required to spell out any linkages or relationships affecting the availability of certain terms. For instance, if you tell the customer that your home equity loans are available with certain payment plans, and if the customer's opportunity to select these payment plans varies based on other loan terms, these restrictions would have to be explained.

An example of such linkages: Say a bank offers two plans, one with a five-year term and the other with a ten-year term. The bank permits interest-only payments under the five-year plan, but requires payments of interest and principal under the ten-year plan. A generic disclosure would have to point out such a difference.

Q. Where do we get the brochure that must be given out?

A. You can either use the model brochure provided by the Federal Reserve Board or develop your own that is "substantially similar." If you want to use the Fed's version, you can obtain a limited number of original copies from your Federal Reserve Bank and reprint them verbatim. You could also reprint the Fed brochure with the bank's name and logo.

Q. The disclosures that go onto application forms seem fairly straightforward. But I foresee difficulties sending the required notices out within three days for telephone, third-party, and magazine insert applications. Is this going to be a management problem area?

A. Undoubtedly. You need to have a system and training for handling these applications. Staff should be directed to note them on a special log identifying the applicant, the time of receipt, and the source of the application. You then need to generate the required disclosures and record the date they were sent.

Q. We must disclose the circumstances under which we can change the terms of the plan and what the changes may be. These could grow quite lengthy. Must they all be included in the early disclosures?

A. No. You can include them all if you want to; if you do, you need not group them with the other early disclosures. However, if you prefer, you can simply disclose that the borrower may obtain a list of the conditions under which the lender could take these actions.

In either case, the segregated disclosures must state that the lender has the right to terminate, accelerate, prohibit new advances, reduce the credit line, or make other changes. You must also state the fees for termination.

Management tip: Designate which employees have the authority to terminate or change the plan terms. Then make sure these employees understand the rules. Permitting decentralized decision-making could lead to legal and customer relations problems.

Q. Our bank's home equity lines can be accessed with a credit card. Do we have to incorporate the new credit card early disclosures (ABA BJ, June, p. 14) into those for our home equity plan?

A. No. The Federal Reserve's new credit card rules specifically excluded such plans.

Initial Disclosures

Q. What is the difference between "early" disclosures and "initial" disclosures?

A. The early disclosures are the ones added by this regulation--those that must be provided with the application. The initial disclosures are the main Truth-in-Lending disclosures that have always been required at or before loan consummation.

Q. Does the new rule affect the initial disclosures we must make?

A. Yes. You must include in the initial disclosures the early disclosure terms that do not duplicate already-required initial terms. In addition, the initial disclosures must include the full list of the conditions under which the bank can terminate or modify the plan, incorporating, of course, the restrictions described earlier. It is not sufficient here to simply tell the customer that he may obtain such a list, in contrast to the early disclosure requirements.

Loan Agreement

Q. Does the regulation require changing our standard loan agreements?

A. Very likely. As explained earlier, you must assure that the agreement uses a publicly available index beyond your control; that it only permits early termination within the circumstances permitted by the regulation; and that any provision for changing terms spells out specifically both the triggering event and the resulting change. An example of the latter: For an employee preferred-rate plan, the contract must provide that a specified higher rate will apply if the borrower's employment by the lender ends.

Advertising

Q. Does the regulation change our ability to advertise these loans?

A. Yes. The rule adds new "triggering terms" to the advertising provisions of Regulation Z. "Triggering terms" are terms you cannot use in an advertisement without having to disclose additional information. For home equity loans, the new triggering terms are all of the terms required in the initial disclosures (except the security interest), as well as any payment terms. You may not make either positive or negative statements (such as "no annual fee") about these items without including, in the same ad, a clear and conspicuous statement of the following:

* Any loan fee that is computed as a percentage of the credit limit and an estimate of other fees for opening the plan, stated as a single amount or range.

* Any periodic rate used to compute the finance charge, expressed as an APR.

* The maximum APR, if it is a variable-rate plan. Q. There have been problems in the past relating to advertising the tax benefits of home equity loans. Are these addressed?

A. Yes. If you advertise that interest may be tax-deductible, you must assure that the ad is not misleading. The Fed suggests, for instance, that you also add that the customer should consult a tax advisor to determine the impact in his or her own circumstances.

Q. Are there any other advertising rules?

A. Yes. If your advertisement mentions a discounted initial rate, you must state how long that rate will be in effect and display a "reasonably current" undiscounted APR with equal prominence. If you advertise a minimum payment, you must also disclose that a balloon payment will result from it, if that is the case. Finally, you cannot refer to a home equity plan as "free money" or use any other misleading terms. Other Issues

Q. We are required to refund fees to customers who back out of an application because terms change. What is involved in handling this?

A. You must refund all fees, including credit report and appraisal charges, if the customer decides not to take the loan because terms changed between application and consummation. The only exception is if the APR has changed in accordance with a properly disclosed variable-rate feature.

Q. Third parties, such as loan brokers, distribute some of our application forms. Are they affected?

A. Third parties are obligated to provide the home equity brochure and, if they have them, the lender's early disclosures. However, the lender is not obligated to supply them with either. Nevertheless, it is probably a good idea to furnish at least the brochure.

Q. Once we have put the compliance machinery for this regulation into place, what problems may we encounter in staying in compliance?

A. For variable-rate plans, one problem will be the need to update your historical $10,000 example every year. This needs to show how the indexed rate would have moved every year for the previous 15 years (not beginning in 1977, as is required for closed-end adjustable rate mortgages). The historical example must be updated each year. A second maintenance problem will, of course, be the need to revise all your disclosures whenever program terms are changed for new accounts or when you offer new programs. When this happens, you need to review all steps taken to put together the initial compliance plan.

Marc Sylvester is expect based in Edison, NJ . He holds expertise in the banking and finance sector and is a consultant to leading business houses.

http://www.imdollar.com/home-equity-loan/
http://www.imdollar.com


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Wed. May / 22 / 2019


Refinance mortgage rate moves higher for Monday  Bankrate.com

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


Kenya launches mortgage refinance firm to offer loans to lenders - Xinhua | English.news.cn  Xinhua

NAIROBI, May 22 (Xinhua) -- Kenyan President Uhuru Kenyatta on Wednesday launched the Kenya Mortgage Refinance Company (KMRC), a financial ...


Mortgage rates move higher for Tuesday  Bankrate.com

Multiple closely watched mortgage rates rose today. The average for a 30-year fixed-rate mortgage were higher, but the average rate on a 15-year fixed receded ...


Refinance rates ease for Thursday  Bankrate.com

Multiple key refinance rates decreased today. If you're shopping for a home loan, see what that means for you.


Refinance mortgage rate increases for Saturday  Bankrate.com

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


Mortgage rates head down for the third week in a row  The Washington Post

A volatile week in the financial markets had little effect on mortgage rates. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate ...


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.


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.


Fannie Mae and Freddie Mac are refinancing fewer mortgages than at any point since the crisis  HousingWire

Recently released data from the Federal Reserve Bank of New York's Center for Microeconomic Data revealed that the first quarter of this year was the mortgage ...


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 ...


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.


Can You Use a Mortgage Refinance to Pay Down Debt?  The Motley Fool

Find out if you can use a mortgage refinance loan to pay down debt -- and if it's a good idea to do so.


Refinance rates retreat for Friday  Bankrate.com

Several closely watched refinance rates trended down today. See what that means for your refinance chances.


One simple change to your marriage increases the risk of divorce by 33% and how to decide whether to refinance your mortgage  MarketWatch

Happy Wednesday, MarketWatchers. Here are today's top stories: Personal Finance. People are paying up to $10,000 for plastic surgery to look good in yoga ...


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.


Can You Refinance a Reverse Mortgage? | US  U.S News & World Report Money

Refinancing a reverse mortgage may be best for adding a spouse to the loan, getting a better interest rate or accessing more home equity.


Refinance rates decline for Tuesday  Bankrate.com

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


Weekly mortgage applications drop 4.3%, despite lower interest rates  CNBC

It may be the heart of the spring housing season, but the mortgage market isn't seeing big business.


Mortgage Rates Bounce Back  Mortgage News Daily

Mortgage rates had a fairly decent day yesterday as far as most lenders are concerned. A few lenders saw fit to bump rates up in the afternoon following a day of ...


Refinance rates ratchet higher for Monday  Bankrate.com

Multiple benchmark refinance rates floated higher today. If you're shopping for a refi, see how your future mortgage payments could be affected.


Mortgage applications slightly lower despite three weeks of falling rates  CNBC

Mortgage hunters were not particularly impressed with the latest drop in interest rates. Mortgage application volume dropped 0.6% last week from the previous ...


Mortgage rates decline for Tuesday  Bankrate.com

Several benchmark mortgage rates slid lower today. If you're shopping for a home loan, see how your future mortgage payments could be affected.


Mortgage rates pull back on weak inflation data  The Washington Post

After a month of increases, mortgage rates retreated this week. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average ...


Refinance rates tick lower for Tuesday  Bankrate.com

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


Why Refinancing Your Mortgage At A Lower Rate Might Be A Bad Idea  Seeking Alpha

Offers concrete examples of how refinancing your mortgage at a lower rate can increase your interest payments. Gives two reasons for this: The sacrifice of the.


Mortgage rates trend down for Wednesday  Bankrate.com

Several closely watched mortgage rates ticked downward today. If you're in the market for a mortgage, see what that means for you.


How to get out of debt: 4 balances you should refinance in 2019  USA TODAY

Is this a good time to refinance your debt? Here are a few debts that you should consider refinancing in 2019.


Loose Lending Standards Are The Cancer Not The Cure  Seeking Alpha

The Bank of Canada last week flagged the fragile nature of highly indebted Canadian households and said 42% of households would struggle to refinance their ...


HARPing on Fannie Mae, Freddie Mac Refinancing  The MReport

First American Financial Corporation reported that Fannie Mae and Freddie Mac completed 234,716 refinances in Q1 2019, with 901 loans refinanced through ...


Refinance rates advance for Tuesday  Bankrate.com

Several closely watched refinance rates notched higher today. If you're shopping for a home loan, see how your payments might be affected.


US News: How and Why to Refinance a Reverse Mortgage  Reverse Mortgage Daily

Refinancing an existing reverse mortgage into a new and potentially better one could be an option that works for some senior homeowners, but it's not a ...


Mortgage rates decline for Thursday  Bankrate.com

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


Mortgage rates fall for Monday  Bankrate.com

Several closely watched mortgage rates trended down today. If you haven't locked yet, see how your finances could be affected.


Mortgage Traders Breathe Easier as the Risk of a Refinancing Wave Ebbs  Bloomberg

Mortgage investors are breathing a sigh of relief amid signs a potential surge in prepayments set to weigh on returns may be avoided.


[Article Headline] | 2019-05-22  HousingWire

Housing economists were left scratching their heads this week over a National Association of Realtors report showing U.S. existing home sales fell in April.


HELOC: Understanding Home Equity Lines of Credit  NerdWallet

A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity ...


Rotich to unveil mortgage refinance company today  Business Daily

Kenya's first mortgage refinancing company that will make it easier for banks to access long-term funds for cheaper home loans will be launched today after 20 ...


Mortgage rates climb for Monday  Bankrate.com

Several benchmark mortgage rates notched higher today. If you haven't locked yet, see how your future mortgage payments could be affected.


U.S Mortgages – Down for a 3rd Week in a Row as Trade War Jitters Lingered  Yahoo Finance

Mortgage rates slipped again in the week ending 16th May. 30-year fixed rates fell by 3 basis points following on from a 4 basis point rise from the previous week ...


GDP Growth Called "Transitory" While Low Inflation Appears Permanent  Mortgage News Daily

While calling the recent report on real gross domestic product (GDP) the strongest first quarter in four years, Fannie Mae's Economic and Strategic Research ...


When to Refinance a 15 Year Mortgage to a 30 Year Mortgage  SavingAdvice.com

When you are ready to refinance a mortgage, one thing to you may wonder is should I Refinance My 15 Yr Mortgage to a 30 Yr Mortgage? Read her to find out.


Mortgage rates decrease for Wednesday  Bankrate.com

Multiple benchmark mortgage rates tapered off today. If you're shopping for a home loan, see how your finances could be affected.


Refinance rates retreat for Thursday  Bankrate.com

Several key refinance rates ticked downward today. If you're in the market for a refinance, see how your finances could be affected.


In mortgages, these banks zigged while many others zagged  National Mortgage News

While regulation and nonbank competition are spooking some banks, others believe low funding costs and the right relationships can help them succeed.


Fed Survey: Consumers Expect Slower Home Price Growth  ABA Banking Journal

Americans' expectations for home price changes fell in 2019, according to results from the Federal Reserve Bank of New York's 2019 SCE Housing Survey, ...


Refinance rates trend higher for Saturday  Bankrate.com

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


'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, ...


Is a No Closing Cost Mortgage Right for You?  U.S News & World Report Money

A no-closing-cost mortgage conserves cash upfront when borrowers buy or refinance a home, but you will pay more interest over the life of the loan.


How to Get a Mortgage for a Rental Property  U.S News & World Report Money

Mortgages for a rental property are different from home loans for your primary residence. For example, the interest rates for a rental property may be higher.


Don’t dig yourself deeper in debt with these ‘solutions’  USA TODAY

Americans are slipping ever deeper into hock. To cope, many people turn to debt consolidation loans, cash-out mortgage refinancing and retirement plan loans ...


May Fed Meeting: Mortgage rates fall as the Fed maintains "patient" stance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The third Fed meeting of the year adjourned on May 1 and mortgage rates are benefitting. The group continued on the “patient” path as far as future rate hikes.


How to Refinance a Small Business Loan  U.S News & World Report Money

Refinancing a small business loan, compared with a mortgage, has a few more steps and may require as much documentation as your initial business 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.


Mortgage rates retreat for Thursday  Bankrate.com

Multiple key mortgage rates declined today. If you're in the market for a home loan, see how your payments might be affected.


LO, AE Jobs; Broker and Warehouse Products; Conventional Conforming News  Mortgage News Daily

What's going on behind the scenes and in the rumor mill at the MBA's Secondary Conference? There is derision about HUD's Ben Carson not knowing what ...


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 ...


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.


These are the best (and worst) reasons to refinance your mortgage  Bankrate.com

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 ...


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 ...


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 ...


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 ...


The main reason to refinance your mortgage: Save money  Chicago Tribune

A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction.


Shannon Christenot Is The Go-to Mortgage Broker In Los Angeles, CA - Press Release  Digital Journal

Shannon Christenot has been helping clients with their home purchase or refinances needs in and around Los Angeles.


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.


Shelter Afrique invests Ksh 200M in mortgage refinancing firm  Kenya Broadcasting Corporation

Pan African housing development financier, Shelter Afrique has invested Ksh. 200M in the Kenya Mortgage Refinance Company.


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.


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 ...


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 ...


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 ...


Homeowners are rushing to refi mortgages as rates drop  The Real Deal

Homeowners throughout the country are looking to refinance their mortgages thanks to lower borrowing costs, contributing to a sharp government bond rally.


What You Should Know About Mortgage Programs for Teachers  U.S News & World Report Money

A number of local, state and federal programs offer eligible teachers steep discounts on homes and attractive mortgage terms.


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.


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 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.


5 million homeowners suddenly "in the money" to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Millions of homeowners could now save each month on their mortgage payments, according to a new report. That's because they're suddenly “in the money” to ...


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.


Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ...


Refinance rates trend higher for Monday  Bankrate.com

Several key refinance rates floated higher today. See what that means for you if you're in the market for a home loan.


Westpac Singapore's Mortgage Exit Leaves Borrowers Hanging  finews.asia

Westpac Singapore's decision to exit from the mortgage business is leaving borrowers in the lurch.


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.


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.


How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ...


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 move higher for Wednesday  Bankrate.com

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


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.


Should You Refinance Your Mortgage?  Forbes

Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ...


How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ...


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.


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 trend higher for Wednesday  Bankrate.com

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


Refinance rates ease for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. If you're in the market for a mortgage, see what that means for you.


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.


Refinance rates retreat for Wednesday  Bankrate.com

Multiple benchmark refinance rates sunk lower today. If you're in the market for a mortgage, see what that means for you.


Refinance rates ratchet higher for Friday  Bankrate.com

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


Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ...


Mini refinancing boom is a boost for lenders  The Real Deal

There has been a mini surge in mortgage and refinancing applications spurred by falling mortgage rates, the Wall Street Journal reports.


Refinance mortgage rate dips for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate decreased. If you're in the market for a home loan, see how your payments might be affected.


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 ...


used office furnishings-supplies-equipment-desks-cubicles-service-counters for sale in Akron Ohio   Die cast model cars for sale in Akron Ohio  
used cars for sale in Akron Ohio   unfurnished homes for rent in Akron Ohio

Click here to
OfficeJax free ad space available here

Find used office equipment in Ohio at www.OfficeJax.Has.It

Find the best fleamarkets at www.FleaMarketWorld.Has.It

www.Akron.Has.It

Find electric powered vehicles at www.NoGas.Drives.It

Akron City directory

Free Automatic Link Exchange

Flea Market World

Find homes for rent
in Akron Ohio
www.homes4rent.has.it

iphone-4-less below wholesale prices

 

Place your AD here. Click here for more details.

Click above to place your AD here

[Back to Top]

Ohio RealEstate

auction news and listings for Akron, Ohio

Akron crafts and hobby news center

best home remedies and do it yourself tips

Akron currency trading

Akron Ohio pet news

Advertising and promotions Akron, Ohio

The Akron blogging news center

Akron Ohio web site design news

Akron Mortgaging and refinancing

Web site design tips

 

HOME | SITE MAP

© 2012 - 2019 All Rights Reserved
Increase pagerank with HitsSurfer

free page rank checker and seo evaluation tools 

first second ARM compare rates find the best rates current in your area lenders read reviews calculator adjustable rate loan home lenders brokers quotes florida houston gmac washington interest only 2nd software debt consolidation reverse senior equity texas maryland options lending bad credit  option one ameriquest chase first banks emc residential california miami dallas est branch marketing home company commercial yahoo online bad credit low credit no credit