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Do Your Homework - Find the Mortgage That Fits Your Lifestyle and Your Budget


You've been looking at houses for months, and finally you've found it--the house that's just right. So now, all you have to do is to purchase your new home, move in, and get settled, right? Not quite. There's one more big step to go-getting a mortgage loan. You're going to want to decide on the type of mortgage and payment terms that fit within your budget. And you're going to have to prepare yourself by doing some research. What follows is valuable information that will be crucial in helping you make loan decisions that will fit your budget and circumstance.

Series: 3 Finding a Perfect Match for your Home Mortgage

Factors That Affect Your Mortgage

Mortgage payments are determined based on the following criteria:

Amount of the loan
Length of the loan
Down payment
Discount points
Closing costs
Credit quality
Income level
Lock in period

Loan Amount: The amount of your loan can increase your interest rate if the amount financed exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, (private corporations regulated by the federal government) that administer loans. The conforming loan limit changes at the beginning of each year.

Shorter loans, such as a 30 year or 15 year note, can save you thousand of dollars in interest payments over the life of the loan, but your monthly payments will be high. An adjustable rate mortgage may get you started with a lower interest rate than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

Down Payment: A large down payment will give you the best possible rate. If you've got the cash now and want to lower your payments, you can pay points on your loan to lower your mortgage rate. The concept is simple: In exchange for more money upfront, lenders are willing to lower their interest rate, cutting the borrower's payments. Remember to consider upcoming expenses and closing costs in your down payment decision.

Closing costs. In addition to your down payment, you will need to pay closing costs for processing your loan and transferring the property ownership from the seller to you, the buyer. Closing costs can range from 3%-5% of your loan amount, depending on where you live, the loan you choose and your closing date. In some cases, you can finance certain closing costs in your mortgage loan. When you apply for loan, your lender will give you an estimate of closing costs, which usually include:

Origination fees.

Costs of processing your loan (includes property survey and appraisal). Items paid in advance, such as first-year mortgage insurance premium, first-year hazard insurance premium and first-year flood or earthquake insurance premiums, if required.

Escrow accounts - an account held by the lender into which the homebuyer usually pays for city/county property taxes, mortgage insurance, and hazard insurance, if required.

Title insurance charges.

Recording and transfer charges.

Attorney's fees.

Credit Score: Your credit and debt-to-income-ratio affect the terms of your loan through your FICO score which is used to determine your credit rating. If you have good credit and your monthly income exceeds your monthly debt obligations, you will get approved at a lower interest rate. However, if your monthly income barely covers your minimum debt obligations, you will not receive the lowest available interest rate even if you have a good credit report.

Lock-in Rate: When shopping for a loan remember that interest rates change frequently. It is important to ask your mortgage representative if a lock-in rate is possible. This will guarantee you a specific rate, provided the loan is closed, with a set period of time. Determine How Large a Monthly Mortgage Payment You Can Afford

Your choice of mortgage will be influenced by questions such as How many years do you expect to live in your new home? How important is it to be free of mortgage debt before facing your children's college bills or planning your future retirement? How comfortable are you with the certainty of a fixed mortgage payment vs. a payment that can change over time?

Your monthly payment will vary depending upon the type and length of the loan and the amount you put down. Most lenders will help you select the loan that's best suited to your financial situation.

How Low an Interest Rate Can You Expect?

Shorter term loans offer lower interest rates and are divided into two types. A Fixed mortgage means that the rate is locked in for the life of the loan. Adjustable Rate, also called an ARM or variable rate note, is a note that generally offers lower payments for the first year and then changes periodically based on the terms and conditions of your note. Paying discount "points" can lower your interest rate. If your loan requires you to pay points or if you want to buy "down" the interest rate using points, remember that one point equals 1% of the loan amount.

Choosing the Right Mortgage

If you want the stability and predictability of a set rate for the life of your loan, then a fixed rate mortgage may be for you. Usually the longer the term of the mortgage, the more interest you pay over the life of your loan. Though, a longer term means your monthly mortgage payments will be less than they would be with a comparable shorter-term mortgage.

30 year vs. 15 year fixed rate mortgage.

A 30-year mortgage will have a lower monthly payment and a higher interest rate than a 15-year mortgage. You'll have a smaller monthly obligation but you'll pay more for your house over time because you're paying it off with interest for a longer period. On the other hand, a 15-year mortgage will have a higher monthly payment and a lower interest rate so you'll pay less for your house because you're paying it off in a shorter period.

Adjustable Rate Mortgage.

ARMs, are short-term fixed-rate loans: After the fixed rate term is up, the rate adjusts at regular intervals in accordance with current interest rate conditions at that time. A 5/1 ARM, for example, has a fixed rate for five years and then adjusts every year for the next 25 years. (ARMs typically run on a 30-year schedule.)

The length of the fixed-rate term on an ARM typically can range anywhere from one month to 10 years. The longer the rate is fixed, the higher the interest rate you'll get. But generally speaking -- and there have been exceptions in the past -- ARMs will cost you less in the short-term. With the ARM, both your monthly payments and interest rates should be lower than either a fixed rate 15-year or 30-year mortgage.

The risk with an ARM is that when interest rates rise, you could end up paying much more than you bargained for. Check to see if your ARM has a cap rate so that if rates increase, your change cannot exceed a certain pre-defined limit.

If you know you'll be in a home for 12 years or more, a 30-year fixed rate mortgage might work better for you than, say, a 5/1 ARM, where you fix a rate for five years and then it adjusts every year after that. But if you think you won't be in the home longer than five or six years, a 5/1 ARM might make more sense.

Mortgage Shopping Tips.

Talk to the mortgage specialists at your bank. If you are starting to look for a home they can asses your financial situation and help you determine a purchase price that is within your budget and a mortgage program that suits your lifestyle and income. In many cases your advisor can prepare a pre-approved mortgage before you finalize your purchase.

Ask a mortgage specialist at your bank to help you calculate payments at different interest rates. This will help you determine a monthly payment that can be comfortable integrated into your budget.

Types of Mortgage Programs.

Most lenders are committed to ensuring that your home financing experience is rewarding and effortless. To this end, there are many programs available to suit a variety of situations, lifestyles and your financial profiles. These include:

Fixed-rate loan. If you've found a home you plan to live in for 10-30 years, consider a fixed-rate loan. It's predictable and stable since the interest rate is set for the full length of the loan. Because the monthly payment for the principal and interest stays the same for the life of the loan, it's easier to plan a budget. Most lenders offer many fixed-rate loans with terms to fit your budget, including loans that require no money down.

Adjustable-rate loan.

If you plan on being in your home for a shorter period of time, or expect your income to increase of the years, an adjustable-rate mortgage (ARM) may just be the right fit for you. An ARM loan usually starts with a lower initial interest rate than traditional fixed-rate loans. After a set initial payment period (usually one, three, five, seven or ten years), the interest rate may change periodically (usually annually or semiannually) based on market conditions. As the rate changes, your monthly payment changes. ARM loans feature an adjustment "cap" which limits how much the interest rate can go up. This helps protect you from large increases in your monthly payment.

Loans for first-time homebuyers.

Most banks offer affordable loans to make it easier for first-time homebuyers with limited savings to qualify for a home loan. Specifically, FHA and VA government loans are available to qualified buyers, based on income or property location. These affordable financing programs can help make it easier to buy a home since they require little or no money down and also offer flexible credit and income guidelines.

Repayment schedule.

Also consider how quickly you'd like to repay your loan - within 15 years, 20 years, 25 years, 30 years? Do you want to make biweekly mortgage payments? Typically, the sooner you repay the loan, the more you'll save in interest payments. However, the longer you extend the term of your financing, the lower your monthly payments maybe. So when choosing a loan term, consider your budget, your long-term spending patterns, your income over the life of the loan and how long you plan to stay in your home.

Which loan is right for me?

The lifestyle situations below can help you decide which loan you might want to consider.

"Getting the lowest monthly payment is most important to me, and I'll be in my home for less than five years." An intermediate ARM (five years or longer) if your income is fixed or expected to decline. A short-term ARM (three years or less) if you expect your income to increase.

"Getting the lowest monthly payment is most important to me, and I'll be in my home for more than five years." A fixed-term mortgage (for example, 30-year fixed). An intermediate ARM if you expect your income to keep increasing.

"I have little money saved for a down payment." AN FHA loan. A VA loan, if you are a veteran.

"I have no traditional credit references (for example, car loan or credit cards) but I pay my rent and other bills on time." An FHA loan. A VA loan, if you are a veteran.

"Paying off my mortgage faster and saving money by paying less interest long-term is what's most important to me." A shorter-term mortgage, such as 15- or 20-year fixed-rate loan. A biweekly 30-year mortgage accelerates the reduction in principal by applying more than one extra payment a year, reducing the total interest and term of the loan

Borrowers Protection Plan

Borrowers Protection Plan is an optional feature of your loan that can provide peace of mind during difficult times - like an unexpected job loss or disability. Borrowers Protection Plan will cancel your monthly principal and interest payment should you lose your job or are unable to work due to illness or injury. Borrowers Protection Plan may cancel a total of up to 12 months, depending upon the protection option and benefit period selected. And if you should die in an accident your entire loan balance will be canceled.

Benefits of protection.

Affordable. Decide what you and your family need and we'll help make it affordable.

Easy to obtain. There are no health requirements or medical exams and any size loan qualifies.

Supplemental benefits. Your monthly benefits will not be reduced because of other state unemployment benefits or disability income you may receive. Protection options available prior to loan closing include involuntary unemployment and disability and can be purchased individually, or as a combination. These options also include accidental death protection and are available on a single or joint basis.

Fast answers and streamlined processing. The approval process should be fast and simple. Many homebuyers who have excellent credit history can be approved for a mortgage at the time of the application and with very little documentation.

Hassle-free mortgages with 80% less paperwork.

Use a proprietary process to determine if you qualify for this streamlined loan feature. This means less digging, sorting and collecting paperwork for you.

Your qualification for reduced paperwork depends on a number of factors: Strong credit - doesn't have to be perfect Type of mortgage you choose - many mortgage types and loan amounts up to $750,000 are eligible Even if you don't qualify for the 80% less paperwork mortgage feature, your mortgage request can still be approved.

Buying a home is one of the most important events in your life. So talk to the mortgage professionals, do your homework and select a loan that fits your lifestyle and your budget. And enjoy the satisfaction of owning your own home.

Bill Tanebring is a Southern California based writer. His web address is http://www.billtannebring.net


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Mon. June / 24 / 2019

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

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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 ...


Applications for mortgages, refinancing spike amid low interest rates  Fox Business

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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 ...


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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.


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

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Does refinancing your mortgage make sense as interest rates fall and why these couples say they’ll never move in together  MarketWatch

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Guild Mortgage launches refi program for Airbnb hosts  HousingWire

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Refinance rates tick lower for Friday  Bankrate.com

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Refinance rates drop off for Thursday  Bankrate.com

Multiple closely watched refinance rates ticked downward today. See what that means for you if you're in the market for a mortgage.


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 today, June 17, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates on Friday held steady, as we predicted. Last week had its ups and downs but ended with those rates almost exactly where they had ...


Low mortgage interest rates stimulate homeowners to refinance  Chicago Daily Herald

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Mortgage rates decrease for Thursday  Bankrate.com

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


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 lower for Tuesday  Bankrate.com

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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.


When Should Homeowners Refinance?  WCCO | CBS Minnesota

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Mortgage rates extend decline, sinking to 16-month lows  The Washington Post

After five weeks of declines, mortgage rates are at their lowest levels in 16 months. According to the latest data released Thursday by Freddie Mac, the 30-year ...


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  National Mortgage News

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


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 ...


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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 ...


Falling Mortgage Rates Lead to Surge in Refinance Activity  Mortgageorb

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Key mortgage rate climbs for Monday  Bankrate.com

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

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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.


Here's What To Do If You Get Behind On Your Mortgage  Forbes

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

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Treasury Yields May Take Another Step Down Thanks to Mortgages  Yahoo Finance

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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.


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

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Freddie Mac Launches New Home Renovation Program  Mortgageorb

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Mortgages for Seniors: Everything You Need to Know  U.S News & World Report Money

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.


Benchmark mortgage rate increases for Wednesday  Bankrate.com

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Cuyahoga County to Sell, Refinance Bonds for Rocket Mortgage FieldHouse Repairs  Arena Digest

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Guaranteed Rate Rolls Out VA Renovation Loans  Yahoo Finance

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Roostify teams up with HSBC Bank USA  Fintech Futures

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Refinance mortgage rate ticks higher for Monday  Bankrate.com

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Just Approved: Divorcee refinances, removes ex from mortgage and lowers her monthly bills  San Francisco Chronicle

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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

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House price growth may be slowing down, but American homeowners still have something to celebrate. According to new data, they've gained more than $485 ...


BFS completes refinance facility for self-build  Mortgage Introducer

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Mortgage refinancing spree becomes a race against the clock  Bankrate.com

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Here Are Best And Worst Reasons To Refinance Your Mortgage  Bankrate.com

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Top 12 reasons more people are using personal loans | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

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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.


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 ...


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.


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.


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 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.


Statewide Survey Finds Public Sides With Gov. Evers on Education Issues  One Wisconsin Now

Key findings include a majority of voters trust Gov. Evers and Democrats versus Republicans on education issues.


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 ...


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