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The Best Way To Get The Right Mortgage


Are you thinking of buying a home? If so, then there are many things that you need to research first. For example, do you know what a mortgage is and do you know all the details of getting a mortgage? The more you know before you get into it, the easier the whole process will be for you.

If you've never owned a home before, you know that securing a mortgage loan can be more nerve wracking than you might realize. After all, just like you would need to prove your expertise to secure a job, you need to prove your credit worthiness to secure a mortgage. The problem is, if you've never owned a home, how can you possibly convince a lender that your credit is good enough to qualify you for a home mortgage loan?

This means that first-time buyers often face higher than standard interest rates and other unfavorable terms on their mortgages such mortgagee insurance. Yet many, many first-time homebuyers or event people with poor credit history enter the market each day, so there are lenders out there that are willing to take the risk. There are lots of mortgages designed specifically for first-time borrowers, with terms and rates that are flexible and not exorbitant. The trick is finding one of these lenders.

You could simply start going from major lender to major lender to enquire about their fixed low-rate mortgages, but a far more sensible strategy involves finding a third party mortgage broker who represents a number of lenders under one roof. Of course, just as there are literally hundreds of different mortgages to choose from, so too are there hundreds of mortgage brokers. It is far better to use the services of a broker to help you ~cut to the chase~ and find the right mortgage for you.

You should beware though - many mortgage brokers make their money by working on a commission basis with the lenders themselves. There are, however, independent brokers who are not in the business of servicing lenders, but borrowers instead. It's their job to help new borrowers to find a good mortgage with low rates.

Lastly when you find a broker who has good relations with a number of lenders, it's easy to get a mortgage at special rates and it is also easy to repay the loan at favorable interest rates. In addition, when it comes time to refinance, you can generally use your relationship to lock in a much more desirable interest rate through a broker than through your current lender.

The author has learned the hard way how NOT to buy a house and secure a mortgage. Since then she has become an expert and helped thousands of people get the "right" morgage and purchase the home of their dreams.

Janine Monik is passionate about mortgages and is the webmaster of Flynn Mortgage


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Thu. June / 20 / 2019

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

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


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.


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.


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%.


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.


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

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 ...


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 ...


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

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


As mortgage rates plunge, should you refinance?  Fox Business

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


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 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 refinancing jumps as rates tumble but loans for home purchases drop again  USA TODAY

Mortgage rates fell for the fourth straight week leading to a surge in refinancing. But mortgage applications for home purchases fell.


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

Amid the lowest mortgage rates in almost two years, overall mortgage applications swelled last week by nearly 27 percent according to data released ...


Mortgage applications surge on refinances as rates hit 21-month low  USA TODAY

As mortgage rates fell to the lowest level since September 2017, mortgage applications surged 26.8% last week, led by an increase in refinancing.


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 ...


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.


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 ...


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.


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.


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

Happy Thursday, MarketWatchers! Don't miss these top stories: Personal Finance. The filthy mistake you're likely making in the kitchen — and its simple $14 ...


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 ...


Mortgage Applications, Refinances Surge After Interest Rate Drop  Forbes

Thanks to low mortgage rates and slowing home prices, mortgage applications and refinances soared last week.


No Closing Cost Mortgage Loans  NerdWallet

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


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.


Falling Mortgage Rates Spur Application Frenzy  The Wall Street Journal

Consumers are taking advantage of an unexpected decline in interest rates to buy homes and refinance their mortgages.


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.


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 ...


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

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


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 ...


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 ...


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.


Mortgage rates lower for Tuesday  Bankrate.com

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


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

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


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.


Buying or Refinancing? Mortgage Rate Frenzy Is Back  Newsmax

Mortgage rates are nearing historic lows again in the United States, making it an ideal time to buy a home - or refinance. "It's amazing how many times a ...


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.


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 ...


Fixed mortgage rates continue their slide, falling for the fourth week in a row  The Washington Post

Fixed mortgage rates didn't go down much, but they did go down for the fourth week in a row. According to the latest data released Thursday by Freddie Mac, the ...


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 ...


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

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


Mortgage 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.


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

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


Refinance rates tick lower for Thursday  Bankrate.com

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


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 ...


TRANSACTIONS: Meridian places $10.6m mortgage on mixed-use property in Bronx  Real Estate Weekly

Arbor Realty Trust, Inc. funded a $1.3 million Freddie Mac SBL deal in Fort Lauderdale, FL. Topanga Canyon Apartments, a 12-unit multifamily property, ...


Freddie Mac Announces CHOICERenovation; The Latest Solution for Financing Home Improvements  GlobeNewswire

New offering is another component of Freddie Mac's All For Home initiative to reimagine the mortgage experience for both lenders and borrowers.


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 ...


Mortgage Rates Drop and Stock Market Rises – Market Update  Zing! Blog by Quicken Loans

Mortgage rates continue to fall and the stock market was up despite a weak jobs report. That and more coming in Market Update!


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 ...


Low Mortgage Rates and Cash Back Refinance  105.3 The Fan

Segment 1. Low Mortgage Rates Segment 2. Cash Back Refinance Segment 3. Questions and Answers from Listeners Segment 4. The Lightning Round: ...


Here's What To Do When The Payments On Your HELOC Go Up  Forbes

Home equity lines of credit - also known as HELOCs - are favored by many homeowners because they give you the flexibility to borrow money when you need it.


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.


Millennial refinances see jump amidst dropping mortgage rates | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

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


Key mortgage rate climbs for Monday  Bankrate.com

Mortgage rates diverged today, but one key rate was higher. The average for a 30-year fixed-rate mortgage trended upward, but the average rate on a 15-year ...


Preparing for the refi rush  Mortgage Professional America

As originators seize refi opportunities, ramifications spread to other parts of the market.


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 ...


Guild Mortgage Introduces New Refinancing Option in Partnership with Airbnb  Business Wire

Guild Mortgage's new initiative allows Airbnb hosts to refinance their primary residence and apply rental income toward qualification requirements.


Mortgage rates today, June 13, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates yesterday moved a little lower, roughly in line with our prediction. It wasn't a big drop. But it was welcome, coming as it did straight after ...


Trade tensions to keep rates down, spark mortgage growth: Fannie Mae  National Mortgage News

With mortgage rates expected to continue their recent slides over the next 18 months, in tandem with slowed economic growth, loan originations should see a ...


Fintech algorithms discriminate 40% less than traditional lenders  Quartz

Algorithmic fintech lending is less discriminatory against minorities than traditional loan officers, according to a recent study of US mortgages. The findings signal ...


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

Whether it's a job loss, unexpected medical bills, or something else, financial hardships can happen to anyone. If you've hit hard times and fallen behind on your ...


New Purchase/Renovation Loan Added to Freddie Mac Choices  Mortgage News Daily

Freddie Mac is announcing a new loan program to help address the need for affordable housing and encourage the renovation of older homes. The company ...


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

(Bloomberg) -- The mortgage market was supposed to be quiet this year, but suddenly it's moving the biggest bond markets. When Treasury yields started falling ...


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 ...


HSBC launches digital mortgage platform  Scotsman Guide News

HSBC Bank USA is entering the online mortgage space, teaming up with digital platform Roostify to launch a new “digital home lending experience.”


Should I Pay Off Student Loans or Save for a House?  The Motley Fool

In an ideal world, student debt wouldn't stop you from buying a home. In reality, things might work differently.


Airbn-Bling: How Renting Out Your Property Can Help You Get a Mortgage  Realtor.com News

Short-term rental sites such as Airbnb have changed the game for homeowners. Renting out your entire home—or part of it—is an attractive way to make extra ...


Mortgage rates today, June 11, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

As we predicted, average mortgage rates jumped yesterday. So they're now above their lowest since the fall of 2017. The sharpness of the rise might make you ...


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.


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

By refinancing previous bonds and issuing new bonds, Cuyahoga County will cover repairs at Cleveland's Rocket Mortgage FieldHouse.


Why Mortgage Applications Have to Change  Think Realty

Ah, the continued plight of the American mortgage system. While each year millions of homeowners finance and refinance real estate with few problems, the s.


MLO Resources; Credit Product; Intro to the Prime Jumbo Securitization Market  Mortgage News Daily

Good loan officers pay attention to demographics. For example, according to a new report from the United Nations, the population of the planet could rise from its ...


Can Commercial Real Estate Loan Rates Help Your Business Save?  Nav

Some commercial real estate loan rates are as low as 3.9%, but it depends on the type of loan you're getting, the term of the loan, and other factors.


5 expert strategies for paying off graduate school student loans  Bankrate.com

Graduate school: It's one of the biggest investments of your life. Not only does it extend your academic career, but it has the ability to make your student loan debt ...


Benchmark mortgage rate increases for Wednesday  Bankrate.com

Mortgage rates moved in different directions today, but one key rate rose. The average for a 30-year fixed-rate mortgage saw an increase, but the average rate ...


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

Mortgage adviser: Brenda Wyatt. Property type: Single-family home in Lakeshore Terrace. Loan type: Conventional refinance. Purchase price: $670000.


'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, ...


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

Personal loans are popular for many reasons. But the fact you can use the money for any purpose is one of them. So what are the top 12 reasons people are ...


House committee passes bill to make FHA loans less expensive  HousingWire

The House Financial Services Committee passed a bill Wednesday that would limit mortgage insurance payments on loans backed by the Federal Housing ...


Lender sentiment turns positive as low rates spur demand  Atlanta Agent magazine

The trend toward lower mortgage rates doesn't appear to be a short-lived phenomenon, and has already boosted loan application activity to historically high ...


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.


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.


Home equity rises again — except in these two states | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

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 ...


Freddie Mac June Forecast: Favorable Mortgage Rates and Strong Labor Situation Signal Growing Housing Market Through 2019  GlobeNewswire

MCLEAN, Va., June 17, 2019 (GLOBE NEWSWIRE) -- According to Freddie Mac's (OTCQB: FMCC) June Forecast, low mortgage rates along with a strong labor ...


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 ...


PMS and Sesame launch product transfer hub  Mortgage Introducer

PMS Mortgage Club and Sesame Network, part of Sesame Bankhall Group, have launched a product transfer hub to support advisers with a range of tools and ...


Here Are 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 ...


Inflation Remains Low – Market Update  Zing! Blog by Quicken Loans

Prices aren't rising as fast as the Federal Reserve might like, but mortgage rates remain low. That and more coming up in Market Update!


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.


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 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.


Refinance mortgage rate moves higher for Monday  Bankrate.com

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


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 ...


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 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 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.


Leaving a String Quartet or Tenant-in-Common Real Estate Investment  JD Supra

The Cleveland Quartet, founded in 1968, was among the top string quartets in the world until it disbanded in 1995. Originally in residence at Cleveland Institute ...


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 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.


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