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Refinance Your Mortgage to Rebuild Credit


Refinancing your mortgage is one way to rebuild your credit, particularly if you have recently declared bankruptcy. With a poor credit history, you can find refinancing through a sub prime lender. To rebuild your credit, make regular payments on your mortgage and other bills. Then after two years, refinance again for lower rates with your now good credit rating.

A Note About Sub Prime Lenders

Sub prime lenders offer B, C, and D credit, which means they offer credit to high risk lenders. For taking on these high-risk loans, sub prime lenders charge slightly higher interest rates and fees.

Some sub prime lenders charge excessively high fees, but you can screen these out by comparing mortgage rates. Online mortgage lenders make this easy with their online quotes and posted rates.

Applying For Refinancing

Applying for refinancing has been made easy with the internet. The first step is to collect several financing offers, and sort through them. Look for low fees and interest rates.

Once you have picked a mortgage lender, fill out the application either online or request an application mailed out to you. Once you have submitted your application, it will be reviewed and processed. You refinancing should be completed in about 6 weeks.

Getting Financing Approval

Getting approval for your refinancing application is a common concern. While lenders approve more B, C, and D credit loans today, you can also stack factors in your favor. Paying off loans, closing unused credit card accounts, and making regular payments on credit cards and other loans will help. Another step is to put a note in your credit report explaining the reason for past due bills, foreclosures, or bankruptcy.

Rebuilding Your Credit

The next step to rebuilding your credit is to make regular, on time payments on your refinanced mortgage and other bills. Making regular payments is the single fastest way to establish good credit. Make the bill payment easy by setting automatic withdrawals through your bank.

Refinance With Good Credit

After you have established a good credit history, apply again to refinance your home for lower interest rates. If you declared bankruptcy, wait at least two years to refinance. However, if you simply had a series of late payments on your credit, wait a year before researching refinancing options.

To view our recommended sources for sub prime mortgage lenders online, visit this page: Recommended Sub Prime or Bad Credit Mortgage Lenders Online.

Carrie Reeder is the owner ABC Loan Guide, an informational website about various types of loans.


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


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

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


4 irresistible perks of a VA mortgage refinance  Bankrate.com

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


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 ...


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

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


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

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


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

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


As mortgage rates plunge, should you refinance?  Fox Business

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


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

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


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

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


Refinance rates drop off for Wednesday  Bankrate.com

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


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

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


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

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


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 ...


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 ...


Refinance rates decline for Thursday  Bankrate.com

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


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

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


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.


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

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


Refinance rates 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.


Refinance rates tick lower for Friday  Bankrate.com

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


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

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


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

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


Refinance mortgage rate moves higher for Friday  Bankrate.com

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


When Mortgage Refinancing Makes Sense  Seeking Alpha

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


Low mortgage interest rates stimulate homeowners to refinance  Chicago Daily Herald

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


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.


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 ...


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

MINNEAPOLIS (WCCO) – Since November 2018, 30-year fixed average mortgage rates have dropped from 4.94% to 3.99%. According to Black Knight's ...


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 ...


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

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


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.


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

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


Freddie Mac is now offering renovation loans  Washington Post

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


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 ...


Money mistakes you should never make after 30  Bankrate.com

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


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 ...


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 ...


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

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


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

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


Mortgage rates move down for Wednesday  Bankrate.com

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


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 ...


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: ...


The Refinancing Factor  The MReport

The volume of mortgage applications rose 1.5% due to those looking to refinance, but the news wasn't positive for those looking to purchase a home.


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 ...


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 ...


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

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


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

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


KENYA : Kenya Mortgage Refinance Company already attracting international funding  Africa Intelligence

One of the many projects in the in-tray of the treasury secretary Henry Rotich since April 2018, the creation of the Kenya Mortgage Refinance Co (KMRC) was ...


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

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


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

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


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

Debt has come to serve as a defining trait for millennials—about 60% don't have enough savings to handle a $1,000 emergency bill—but a lack of education ...


Freddie Mac Launches New Home Renovation Program  Mortgageorb

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


Mortgage market update 6-21  Atlanta Agent magazine

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


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

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


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

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 ...


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.


'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, ...


Guaranteed Rate Rolls Out VA Renovation Loans  Yahoo Finance

CHICAGO, June 24, 2019 /PRNewswire/ -- Guaranteed Rate, one of the largest retail mortgage lenders in the nation, announces a new mortgage product ...


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

More people are pursuing refinances as mortgage rates have dropped.


Freddie Mac: Low Mortgage Rates, Strong Labor Market to Boost Home Sales  Mortgageorb

Low mortgage rates along with a strong labor market will help boost home sales and origination volume over the next year and a half, Freddie Mac's most recent ...


Roostify teams up with HSBC Bank USA  Fintech Futures

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


Refinance mortgage rate ticks higher for Monday  Bankrate.com

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


Mortgage refinance boom goes bust as rates shift higher  CNBC

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


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.


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

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


Serving an Untapped Borrower Community  Mortgageorb

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


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 ...


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

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


BFS completes refinance facility for self-build  Mortgage Introducer

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


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 ...


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

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


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


Refinance mortgage rates mixed for Monday  Bankrate.com

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


Refinance mortgage rate dips for Saturday  Bankrate.com

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


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 ...


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 mortgage rates mixed for Thursday  Bankrate.com

Multiple benchmark refinance rates were flat today. If you're in the market for a mortgage, see how your payments might be affected.


Refinance mortgage rate drops for Friday  Bankrate.com

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


Refinance mortgage rate slides for Wednesday  Bankrate.com

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


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Cash-out mortgage refinancing: Here’s where homeowners are using it most  Bankrate.com

Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ...


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


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.


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.


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.


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