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Mortgage & Refinancing Information


Adjustable Rate Basics


An adjustable rate loan, most simply stated, means that your interest rate can be adjusted up or down over the months and years. By adjusting the interest rate your monthly payments might also change.

How to Buy a Home Without a Down Payment


Mortgage rates are rising and it's becoming more difficult for a prospective buyer to save up for the necessary down payment. Fortunately, there are ways around this hurdle.

Homeowner Loans - Drawing Lessons of the Past


Loans are not of a recent origin. People used to take help from others even at times when money was unseen and barter was the mode of trade prevalent.

What is a Homeowner Loan?


If you are a homeowner, it couldn't be easier to apply for a Homeowner or Secured loan. Secured loans - i.

Private Mortgage Insurance Basics


Will you be asked to pay Private Mortgage Insurance, or PMI? Most lenders will require you to carry PMI if you cannot put 20% or more of your loan amount forward as a down payment. PMI protects the LENDER in case you default on your payments.

Fixed Versus Adjustable Rate Mortgages


Which One Should You Choose? Choosing between a fixed rate loan and an adjustable rate loan is one of the most perplexing choices anyone can make. With a fixed rate loan, you know exactly where you stand today, and where you'll stand any number of years from today.

Selecting the Right Mortgage for You


A mortgage is a loan you take out to buy a home. This loan covers the "principal" (purchase price of the house minus your down payment) plus the "interest," which is the fee a lender charges you to borrow the money.

Secured Homeowner Loans to Reiterate that a Home Provides More than a Roof Over Your Head


"The ache for home lives in all of us, the safe place where we can go as we are and not be questioned." It is a challenge to find a place like that.

Home Loans: What You Should Know!


Finding home loans can be a daunting task, whether you're a first time home buyer or an existing homeowner. The good news is that there are more options than ever to help you find the loan that's right for you.

Online Mortgage Loan Companies Are Convenient


There are many reasons to use the internet to take care of your mortgage loan needs. Online mortgage companies can give you quick answers to your mortgage application and can often times give you an answer of whether or not you have been pre-approved within 24-48 hours after you submit your mortgage application.

Avoiding Foreclosure


If you fall behind in your mortgage payments, you face the threat of foreclosure. Foreclosure means your lender can take over your home, and you must move out.

Avoiding Foreclosure Scams


If your mortgage company is threatening foreclosure, there are things you can do to avoid it (see my article titled "How to Avoid Foreclosure"). However, you should be aware of scams.

Using a Calculator to Assess Your Loan


Buying a house is a very important step in your life. Every family dreams of having their own home and whether you are looking into your first, or are moving or upgrading your home, you know your mortgage is important.

How To Turn Disadvantages Of A Reverse Mortgage To Your Advantage


When it comes to a reverse mortgage, wise consumers weigh the advantages and disadvantages prior to signing on the dotted line. Let's start on a positive note, you could do what most borrowers do and opt for the reverse mortgage line of credit.

Mortgage Sales Hit Problems


The housing market has been buoyant over the past few years, but mortgage providers and first-time buyers are both now facing a tough time. Following announcements from the Bank of England that there has been an overall decline in the total number of UK home-buyers, and a declaration from the Financial Ombudsman Service (FOS) that the number of disputes concerning improperly sold mortgage endowments has now hit record levels, it seems that mortgage lenders are facing a bleak time.

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TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Mon. January / 21 / 2019

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

Some 43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


Unpaid federal workers can sidestep rules to apply for cash-out mortgage refinance  Bankrate.com

As the partial government shutdown drags on with no end in sight, furloughed federal workers are faced with mounting financial obligations and a variety of relief ...


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 ...


VA cash-out refinance: Don't get swindled by (equity) strippers! | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

On December 20, 2018, the federal government created some protective guidelines for homeowners. These safety measures concern the cash-out VA refinance.


Refinance rates advance for Monday  Bankrate.com

Multiple closely watched refinance rates floated higher today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Prepayment activity hits 10-year low as mortgage refinancing decreases  National Mortgage News

Continual declines in the refinance share of mortgage originations led to prepay rates dropping to their lowest levels since 2009, according to Black Knight.


Refinance mortgage rate moves higher for Monday  Bankrate.com

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


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. The average rate nationwide for a 30-year fixed-rate refinance receded, but the average rate on a ...


Mortgage applications plummet nearly 10% to end 2018, despite lower rates  CNBC

The numbers are surprising, given that homebuyers and homeowners looking to refinance could have taken advantage of lower interest rates.


Mortgage applications surge 13.5% as borrowers rush to take advantage of lower rates  CNBC

That is its highest level since February and came after a 23 percent jump the previous week. Volume was just 0.5 percent lower than a year ago.


Quicken, New American top ranking of best mortgage lenders | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The best mortgage lender depends largely on what type of transaction you're dealing with, as well as the size and type of your loan. But according to new ...


Senior Life: How cash-out refinancing can turn into a costly mistake  The Delaware County Daily Times

(BPT) - After years of making regular mortgage payments, it feels good to watch your net worth make upward progress. That's especially true if your house is also ...


Refinance rates retreat for Monday  Bankrate.com

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


Refinance rates increase for Saturday  Bankrate.com

Multiple benchmark refinance rates moved higher today. See what that means for your refinance chances.


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see how your finances could be affected.


Refinance rates move higher for Friday  Bankrate.com

Several key refinance rates were higher today. The nationwide average for a 30-year fixed-rate refinance cruised higher, but the average rate on a 15-year fixed ...


Refinance rates move lower for Friday  Bankrate.com

Several benchmark refinance rates receded today. See what that means for your chances of getting a better mortgage rate.


Refinance rates slide for Saturday  Bankrate.com

Multiple closely watched refinance rates were down today. If you're in the market for a refinance, see how that could affect you.


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.


Refinance rates fall for Wednesday  Bankrate.com

Multiple closely watched refinance rates receded today. If you're shopping for a home loan, see what that means for you.


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

Mortgage rates have been falling since November, but the American consumer is just now noticing. A mini refi boom has started as homeowners are starting to ...


Falling Mortgage Rates Lead to Surge in Refinance Activity  Mortgageorb

A surge in refinance activity resulting from a drop in mortgage rates helped push mortgage application volume up 23% during the week ended Jan. 4, according ...


Dropping mortgage rates near levels that could lead to more refis  National Mortgage News

Falling mortgage rates have reached the point where they are spurring speculation about a possible resurgence in refinancing, according to an FTN Financial ...


Refinance rates slide for Thursday  Bankrate.com

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


U.S Mortgages – Rates Hold Steady, While Applications Rise Further  Yahoo Finance

Mortgage rates hold and is that the new bottom? The government shutdown and U.S – China trade talks will likely decide…


LendingTree: Share of borrowers with rates under 5% is shrinking  HousingWire

As rates increase, the share of borrowers with rates under 5% is getting smaller. According to LendingTree's Mortgage Rate Competition Index, borrowers with ...


Veterans Pay High Price as Lenders Push Cash-Out Home Loans  Bloomberg

Eric Kandell is making his pitch to veterans. Wearing a red T-shirt, with the words “Low VA Rates” emblazoned across his chest, he looks fit and muscular, as if ...


Cronheim Mortgage Secures $5M Refinancing for Retail Center in New Jersey  REBusinessOnline

SPRINGFIELD, N.J. — Cronheim Mortgage has secured a $5 million loan to refinance an 80,000-square-foot retail center in Springfield. The seven-acre ...


Better Mortgage Launches Emergency Refinance Program to Help Government Workers Currently Furloughed or Working without Pay  PRNewswire

NEW YORK, Jan. 17, 2019 /PRNewswire/ -- Better Mortgage, one of the leading digital mortgage lenders in the U.S., today announced that it has launched a...


Mortgage rates stand pat as federal shutdown creates uncertainty about economy  The Washington Post

Without access to the usual economic data because of the federal government shutdown, mortgage lenders are left with a murky picture of where the economy is ...


Government shutdown and mortgage news: Things just got tougher for mortgage applicants | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

What's happening with the government shutdown and mortgage closings? Find out how you will (or won't) be affected.


Why mortgage lending at Wells Fargo, Chase and Citi plunged  MarketWatch

Mortgage lending at three of the country's biggest banks has fallen off a cliff as customers pivot to online-only options and stop refinancing.


Partial government shutdown is hurting some borrowers seeking a mortgage  Washington Post

When the government shuts its doors because of a funding brouhaha that pits the White House against Capitol Hill, who gets hit hardest among people needing ...


MFA offers interest-free forgivable second mortgage  Las Cruces Sun-News

The New Mexico Mortgage Finance Authority recently announced the launch of a new loan option for current homeowners.


Mortgage Warehouse Funding Limited; A Much Needed Support To The Nigeria Mortgage Sector | Global Banking & Finance Review  Global Banking And Finance Review

Tuesday, October 10th 2017 marked a remarkable milestone in the history of mortgage finance in Nigeria with the launch of the Mortgage Warehouse Funding ...


Closely watched mortgage rate up for Tuesday  Bankrate.com

Mortgage rates showed no clear direction today, but one key rate ticked up. If you're in the market for a home loan, see how that could affect you.


Key mortgage rates mixed for Wednesday  Bankrate.com

Mortgage rates were mixed today. See how that could affect your mortgage payments.


Nigeria Mortgage Refinance Company lists N11b bond  The Nation Newspaper

The Nigeria Mortgage Refinance Company (NMRC) has listed its N11 billion 13.80 per cent Series 2 Fixed Rate Bonds on the Nigerian Stock Exchange (NSE), ...


U.S. mortgage functions climb to 11-month excessive: MBA  Infosurhoy

(Reuters) – The number of U.S. consumers who applied for loans to buy a home and to refinance one rose to an 11-month high last week, signaling that the ...


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 ...


6 Tax Breaks for Homeowners  Yahoo! Finance News

Under the Tax Cuts and Jobs Act, which takes effect for tax filings for the 2018 calendar year, standard deduction increases will likely mean far fewer Americans ...


Just Approved: Refinance offers student loan relief  SFGate

Mortgage broker: Liz Bayer, ProMortgage. Property type: Single-family home in Elk Grove. Recommended Video. Created with Sketch. Your Browser Is Not ...


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.


Tremont Mortgage Trust Closes $24 Million First Mortgage Bridge Loan to Refinance Holiday Inn & Suites Atlanta Airport North  Business Wire

Tremont Mortgage Trust (Nasdaq: TRMT) today announced the closing of a $24 million first mortgage bridge loan it provided to refinance the Holiday Inn.


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 ...


Factors to weigh when considering whether to refinance your home  Washington Post

REAL ESTATE MATTERS | If you can lower your interest rate, that's good. But you also have to look at your monthly payment. Will your new monthly payment be ...


Refinancing activity in the US just plunged to the lowest level in over a decade  Business Insider

Refinancing activity plunged to the lowest level since 2000 as interest rates rise.


U.S. Bank steps up with low-interest loans for furloughed federal workers  Bankrate.com

Customers of U.S. Bank who are affected by the partial government shutdown are getting offered some relief. On Friday, the bank announced that it would be ...


Weekly refinance demand plummets as mortgage rates hit a 5-week high  CNBC

A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...


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 ...


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 ...


Mortgage applications fall, as refinancing hits 20-year low  CNBC

A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.


Convincing your mortgage company to drop PMI is an uphill battle, expert says  KUTV 2News

Troy Moultrie doesn't want to pay the $400 a month on his mortgage for private mortgage insurance. "If I was actually to put that money toward principle, it would ...


Mortgage rates go up for Monday  Bankrate.com

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


Remortgaging option to offer more flexibility for borrowers  What Mortgage

A remortgage option for borrowers with limited equity in their home is being launched by Accord Mortgages. The lender is now offering loans of up to 95% of a ...


Premier Lending Corp is the Leading Mortgage Broker in Fort Lauderdale - Press Release  Digital Journal

Davie, FL - Buying a home is a big decision, as it involves many steps and processes to close the deal. Sometimes, many individuals get overwhelmed by ...


Tens of thousands of Aussies struggle to get loans  My Business

A survey of 52000 Australians revealed a huge jump in loan rejections during 2018, marking the end of a tough year for investor and SME financing.


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.


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 falls for Friday  Bankrate.com

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


3 Signs You Should Refinance Your Mortgage  The Motley Fool

Refinancing at the right time can save you thousands of dollars a year.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected.


How To Survive The Federal Government Shutdown  Forbes

Here's the best financial advice for the federal government shutdown.


Credible Expands Their Marketplace Into Mortgage Refinancing  Lend Academy

Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


Refinance mortgage rates mixed for Friday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rate ratchets higher for Thursday  Bankrate.com

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


Fears of housing downturn may have been overblown  CNN

The housing market is flashing signs of a bounce back in 2019.


With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls.


When Is a Cash-Out Refinance Loan a Good Idea?  U.S News & World Report Money

In a cash-out refinance mortgage, you take a loan against your home in excess of what you owe, leaving you with cash available to spend. Adding to the debt ...


When to refinance: I need to lower my mortgage rate or payment | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you're wondering when to refinance, consider your objectives and see if you'll pay less interest, reduce your payment, or lower your overall costs.


How Long Does It Take to Refinance a Mortgage?  Realtor.com News

How long does it take to refinance a mortgage? Refinancing should take anywhere from 30 to 45 days on average, although that can stretch to 60 days if you hit ...


Difference Between FHA Loan vs. Conventional Loan?  INQUIRER.net

Learn the differences between a FHA loan and a conventional loan so you can decide on the type of loan that is best for you.


Refinance mortgage rate moves up for Friday  Bankrate.com

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


Refinance mortgage rate falls for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. The nationwide average for a 30-year fixed-rate refinance tapered off, but the average rate on a 15-year ...


Refinance mortgage rate eases for Thursday  Bankrate.com

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


Refinance rates slide for Friday  Bankrate.com

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


Mortgage application activity rises on uptick in refinance volume  National Mortgage News

An increase in refinance activity in the period after Columbus Day drove mortgage applications 4.9% higher from one week earlier, according to the Mortgage ...


5 Terrible Reasons to Refinance Your Mortgage  MoneyWise.com

Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or...


Refinance mortgage rates mixed for Thursday  Bankrate.com

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


Best cash-out refinance lenders 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you want to pull equity out of your home in 2019, check out this list of best cash-out refinance lenders. Because mortgage rates and costs for cash-out ...


Do mortgage lenders have minimum mortgage amounts? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Are there minimum mortgage amounts to buy or refinance a home? Not according to most official program guidelines, but most lenders do set minimum amounts ...


Refinance mortgage rate rises for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate climbed higher. If you're shopping for a mortgage, see what that means for you.


Refinance mortgage rate advances for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. See what that means for your refinance chances.


Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First  Forbes

Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...


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, ...


Texas cash-out refinance: new laws you need to know | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Cash-out refinance Texas rules for homeowners in Texas. Texas cash-out refinancing is different from other states and you'd better know the rules before taking ...


Rates Are Rising, But Is It Time To Refinance? Five Scenarios To Consider  Forbes

If any of these scenarios apply to you, you may want to look into refinancing.


Refinance rates move up for Thursday  Bankrate.com

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


Mortgage rates are on the rise. Here are some tips for getting the lowest rate.  The Washington Post

The 30-year fixed-rate average hit a seven-year high last week. But that doesn't mean you still can't get a low rate when buying a home or refinancing a loan.


Do I need an appraisal to refinance my home? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Do you need a home appraisal to refinance your mortgage? Not necessarily. Here's what you need to know about conforming, USDA, FHA and VA refinances ...


Refinance rates trend higher for Tuesday  Bankrate.com

Multiple key refinance rates notched higher today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Best Mortgage Lenders  Bankrate.com

The best mortgage lender isn't the same for everyone.That's why we compiled a list of best mortgage lenders for first time home buys to those looking for their ...


Houston Firm Secures Loans For 6 Texas Multifamily, Retail Properties  Bisnow

LMI Capital closed on five multifamily developments and one shopping center in the Houston area in December. The deals exceed $28M.


Refinance mortgage rate eases for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you're shopping for a refi, see how your payments might be affected.


Refinance mortgage rate trends higher for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. The national average for a 30-year fixed-rate refinance advanced, but the average rate on a 15-year ...


How to use a cash-out refinance to buy another home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase ...


Refinance mortgage rate slides for Monday  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.


Refinance rates drop off for Saturday  Bankrate.com

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


Refinance rates ease for Monday  Bankrate.com

Multiple key refinance rates ticked downward today. If you're shopping for a mortgage, see how your payments might be affected.


Refinance rates slide for Wednesday  Bankrate.com

Several key refinance rates declined today. If you're shopping for a mortgage, see how your payments might be affected.


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