Mortgage & Refinancing Information
A mortgage is borrowing money using property as a security, a
type of secured loan in other words. Primarily, the purpose in
borrowing the money is to purchase a property.
Money is like music, if managed well, produces a good symphony.
One wrong note - one wrong decision - it produces a jarring
The recent boom in house price values have made some homeowners
more wealth than they could have possibly earned though working
in their jobs, however what use is all that wealth if you can't
get your hands on it until you've sold your house? The quickest
and easiest way to unlock the increased value in your home is
often a secured loan that will allow you to receive a lump sum
upfront without having to move or remortgage your house. Why take
a secured loan? Perhaps it's time to take that amazing touring
holiday, perhaps it time to replace the kitchen or even build an
extension to your home, with unsecured lending normally
restricted to amounts less than £25,000 if you need borrow
more money then the best option will be a secured loan.
If finances had a copyright, we would have bought it by now. But
it is hardly sold anywhere near the place we live.
Recent news has made much of parents stretching their finances to
cover costs for their twenty and thirty something children. Debts
and high property prices have forced many offspring to return
home, tail between legs, under the attractive new marketing term
of "kippers": kids in parents' pockets eroding retirement
For years, when someone wanted to purchase or refinance a home,
the choices were simple. The buyer chose either a 15-year
fixed-rate mortgage or a 30 year fixed-rate mortgage.
Almost two thirds of first time buyers accept the first mortgage
they are offered and fail to shop around, often missing out on
better deals. Many first time buyers feel pressurized by their
estate agents into quickly organizing a mortgage for fear of
losing out on a property or are attracted to a low interest rate
without looking at the mortgage deal as a whole.
Are you one of a growing number of people planning on buying a
holiday home in Spain? Or have you decided to expatriate, buy a
Spanish home and live in it permanently? If so, you may be about
to begin your hunt for an international mortgage to purchase real
estate abroad? The task of finding the best international mortgage
can seem like quite a daunting one at first glance with many
domestic, overseas and international providers vying for your
business. But don't panic! Tackle the task head on, ensure you
secure yourself the best possible international mortgage or
property finance deal today and you will save yourself tens of
thousands in interest payments over the lifetime of your
Lots of articles have appeared recently about the booming real
estate market in the United States. Home prices, especially on
the East and West coasts, are not only at record levels, but are
increasing at record rates.
There are several advantages to getting mortgage pre-approval
before looking for a home. Being pre-approved for a loan lets you
know how much you can borrow towards a home, your agent can help
you find a home within the loan amount you're pre-approved for,
and a seller of a home is more likely to accept your offer than
someone who has not been pre-approved for a loan yet.
Refinancing your mortgage after bankruptcy is actually the same
as replacing it with an entirely new mortgage. The most common
reason for refinancing your mortgage after bankruptcy is to get a
lower interest rate and save money over the length of your
Refinancing your home equity loan is an excellent way to save
money. By refinancing your home equity loan you can lower your
interest rate and finance for a longer or shorter term.
If you have seen all the advertisements regarding refinancing
your house you may be wondering if refinancing can actually save
you money. The answer is yes! Interest rates are at the lowest
levels in decades and there has never been a better time to
refinance your home.
A 2nd mortgage is a secured loan on your property, with your home
serving as collateral. Depending on the particular terms of your
second mortgage, you could be able to refinance if you wish to
reduce your monthly payments or are in need of extra cash.
We all know that there are a lot of mortgage companies out there.
But how do you know which company to choose? Some companies have
flashy advertisements about low interest rates, but are they
really the best company to choose? A mortgage is a very large
investment, so the company that you choose has to be the best
company out there for you.
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CUNA News (press release)
'Flat' mortgage market aheadCUNA News (press release)This year is turning out like most people predicted in the mortgage arena. Rising interest rates have significantly hampered the mortgage refinance market. The growth of the purchase market can only be as great as the inventory of available homes.
How Credible worksCredible News (blog)It's quick and painless. Tell us a little bit about you and your home to get accurate prequalified rates without impacting your credit score. 2. Compare rates from multiple lenders. View the interest rate and cost breakdown of each loan to choose the ...and more »
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