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Mortgage & Refinancing Information


Finding the Best Home Improvement Loans


When the time comes to do work around the house, finding good deals on home improvement loans can be vitally important. Home improvement loans can be used to help you improve any part of your house or other real estate, providing you with the money to get the materials that you need and to hire the professionals that can get the job done.

A Guide to Getting a Home Improvement Loan


If you've got a few things around the house that you'd like to spruce up but don't have the money for, you might want to consider getting a home improvement loan. As the name implies, a home improvement loan is designed to pay for improvements to a house or other form of real estate.

Securing a Cheap Home Improvement Loan


Finding a cheap home improvement loan can be a challenge at times, but the extra work involved can pay off by saving you money in the long run.Taking the time to get extra quotes, do a bit more research, and finding the best people to work on your home improvements is always a good idea? and if it results in a cheap home improvement loan, all the better!How home improvement loans workThe first step to finding a cheap home improvement loan is to know exactly how it is that home improvement loans work.

How to Utilize Your Cash Investment in Your Home


Have you ever noticed how hard it can be to get to the equity in your home?Recently I had a client come to my office who had quite a bit of equity in their home. I'm not talking about $50,000 or even $200k, I'm talking about over $250k.

Mortgage Brokers or Banks: Which is Right For You?


When you're looking for a home loan, you might work with an officer at a bank or other lending institution, or you might choose to work with a mortgage broker. The end result is the same - a new house, but the two types of jobs differ.

Reverse Mortgages: When Is One Right For You?


How do you know if a reverse mortgage is right for you? The answer depends on your current financial situation of course.But other factors such as your medical condition and lifestyle are important in determining whether or not a reverse mortgage is your best choice compared to a home equity loan, a line of credit, or just selling your home.

Home Mortgages: Think Before You Borrow


In today's overheated housing market, lenders are making it easier and easier to get a mortgage. For example, some lenders have lowered the credit score needed to qualify for a mortgage.

Refinance Your Home Mortgage Online


The largest financial obligation most people ever take on couldn't escape the reach of the Internet. Home mortgage loans originated online comprise an integral part of one of the largest and most profitable aspects of the banking industry.

Buying A Home?  Reasons to Consider Financing Your New Home Loan Online


Financing your new home loan online can save you time and money. With information at your fingertips, you can quickly educate yourself about the loan process and compare mortgage lenders to find the best rates.

First Time Buyer Home Loans - Things To Consider When Applying Online


As a first time home buyer, there are several things you should consider when applying for a loan online. First, do you know what type of loan you want? Secondly, do you want personal service or better rates? And finally, how do you plan on scheduling in a home loan? Type Of Loan Mortgage loans come in a variety of financing forms to best suit your needs.

Applying Online For A Home Loan Can Give You an Instant Approval


"Instant Approval For Home Loans" is a common refrain for online mortgage lenders, but sometimes instant is longer than you think. During regular business hours with a typical application, you can expect the databases to approve your application almost immediately.

Jumbo Mortgage Loans - Getting Approved for a Jumbo Mortgage Loan Online


Getting approved for a jumbo mortgage loan online is similar to getting approved for a traditional mortgage when you use a mortgage broker. However, you can expect to find lower interest rates online with better terms.

No Money Down Mortgage Loans - Ways To Get Approved For a Home Loan Online With Zero Down


No money down mortgage loans enabled more people to own their own home. The following ways will help you get approved for a home loan online with zero down.

Home Mortgage Lenders - How to Find A Good Mortgage Broker Online


Mortgage lenders have set up shop online, but they aren't all reputable mortgage brokers. To find a good mortgage lender you need to compare rates and research to find reputable companies.

The Mortgage Loan Application Online - Save Time & Money By Applying On The Internet


"You can save time and money by applying for a mortgage loan online." This often touted tagline seems like a gimmick, but it's true.

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TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Fri. March / 22 / 2019



Refinance rates slide for Tuesday  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.


Still haven’t refinanced your mortgage? You still have an opportunity to save big  Bankrate.com

Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ...


Refinance Share Edged Back Down in February as Mortgage Rates Stabilized  Mortgageorb

The refinance share edged back down to 34% of all loans in February, down from 35% in January and down from 43% in February 2018, Ellie Mae's Origination ...


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.


Answers to 9 of the Most Googled Mortgage Questions  NerdWallet

Mortgage questions? We've got answers to help boost your confidence when exploring your options, choosing mortgage lenders and managing your home ...


MBA: Lower rates push refinance applications higher  Scotsman Guide News

Mortgage applications are up from one week earlier, thanks to lower rates that may be encouraging borrowers to refinance.


A Closer Look At Assumable Mortgage Misconceptions In Divorce  Forbes

There are several common misconceptions of attempting to assume a loan in a divorce.


Idaho First-Time Home Buyer Programs of 2019  NerdWallet

Idaho Housing first-time home buyer programs offer loans, down payment assistance and a tax credit. Find out if you're eligible and how to apply.


LendingTree: This is how much homebuyers could've saved on their mortgages  HousingWire

Last week, the share of borrowers with rates under 5% grew moderately larger. According to LendingTree's Mortgage Rate Competition Index, borrowers with ...


Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

What is FMERR? The Freddie Mac Enhanced Relief Refinance – or FMERR – is for borrowers who want to refinance but have very little or no equity in their ...


LendingTree: Homebuyers save big by shopping around for lower mortgage rates  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% inched forward for the week ending Mar. 5, 2019.


Why out-of-control bubble-era mortgages still threaten to smash major U.S. housing markets  MarketWatch

The 2004-07 bubble era in U.S. housing markets was a time of utter madness. Much has been written about it, but almost nothing has been said about the ...


Ellie Mae: Millennials' interest in mortgage refinance spikes  HousingWire

In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ...


How to Remove PMI From Your Loan  U.S News & World Report Money

Conventional wisdom states that when buying a house, the responsible thing to do is to make a good down payment. Not only will you keep your mortgage ...


LendingTree: Number of mortgage borrowers receiving interest rates under 5% rises  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that the number of mortgage borrowers with interest rates under 5% inched forward for the week ...


LendingTree: Fewer homebuyers received mortgage rates under 5% last week  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% reversed course, inching backwards for the week ...


Refinance rates drop for Saturday  Bankrate.com

Several benchmark refinance rates fell today. See what that means for you if you're in the market for a mortgage.


Mortgage rates fall for the third week in a row  The Washington Post

The 30-year fixed-rate average dropped to 4.35 percent, its lowest level in more than a year.


Paul Manafort charged with committing residential mortgage fraud — which is more common than you'd think  MarketWatch

Mortgage fraud risk has risen substantially in recent years as refinance activity has dried up for lenders.


$20,000 liens force retired OKC police officer to prove his identity  KFOR Oklahoma City

OKLAHOMA CITY - Retired Oklahoma City Police Officer Carl Smith's only crime, his name. “I said, “I said it's bogus!” He spent more than two decades serving ...


Millennials use January's low mortgage rates to refinance: Ellie Mae  National Mortgage News

Millennial homebuyers took advantage of a winter lull in interest rates, using the opportunity to refinance their loans, according to Ellie Mae.


Report indicates financial woes at former Franklin Mills mall  Philly.com

A loan backed by the former Franklin Mills mall in Northeast Philadelphia has been assigned to a company that manages troubled commercial mortgages — a ...


LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking  HousingWire

LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% slid further for the week ending Feb. 17, 2019.


New VA rules aimed at curbing predatory lending for cash-out mortgage refinances  Bankrate.com

An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ...


Refinance rates drop off for Monday  Bankrate.com

Multiple key refinance rates fell today. If you haven't locked a refi yet, see how your payments might be affected.


Housing market trends are stifling the jumbo mortgage market  HousingWire

In the years following the financial crisis, mortgage lenders turned their attention to the jumbo mortgage market as high-end clients proved to be a safe and ...


Freddie Mac increases total and refinance origination forecasts  National Mortgage News

Freddie Mac again increased its origination forecast for the next two years, as the rate drops of the past few months are expected to boost refinance volume.


Key mortgage rates mixed for Monday  Bankrate.com

Mortgage rates were mixed today. The average for a 30-year fixed-rate mortgage held steady, but the average rate on a 15-year fixed dropped. On the ...


7 charts showing where mortgage lending is headed in 2019  National Mortgage News

From FICOs to purchase volume, here's a look at seven mortgage lending trends that will shape the housing market this year.


Mortgage rates just tanked thanks to the Fed – and they could go even lower  CNBC

The move in mortgage rates followed Fed Chairman Jerome Powell's announcement that the central bank would end the so-called runoff of bonds from its ...


Home Sales Slump While Mortgage Apps Rise  National Mortgage Professional Magazine

Today's housing data news finds a seesaw ride with home sales going down, while mortgage applications are going up.


Economic downshift drops mortgage forecasts again: Fannie Mae  National Mortgage News

Fannie Mae estimates the average 30-year fixed-rate mortgage to hold at 4.4% through 2019 and 2020 due to the overall slowdown in the economy, according ...


Mortgage Rates Lowest in a Year: Top 4 Housing Picks  Zacks.com

The housing space looks promising as mortgage rates drop to the lowest level in a year.


Refinance rates advance for Monday  Bankrate.com

Several benchmark refinance rates moved higher today. See what that means for you if you're in the market for a home loan.


Mortgage rates increase for Friday  Bankrate.com

Multiple benchmark mortgage rates floated higher today. If you're shopping for a home loan, see what that means for you.


Kroll says some banks are rethinking viability of mortgage lending business  HousingWire

The mortgage industry has witnessed very few mergers and acquisitions in the last year, despite what Kroll Bond Rating Agency calls a “fertile environment” for ...


Refinances Hit by Lower Mortgage Rates  The MReport

Refinance volume was low in January, according to a recent report. Find out how lowers mortgage rates may have impacted refinance volume.


33% of Americans Are Bearing This Expense in Retirement  The Motley Fool

You'll often hear that it's a wise idea to enter retirement debt-free, and the logic is as follows: When you're limited to a fixed income, you don't want a chunk of ...


TRANSACTIONS: Houlihan-Parnes mortgages Bronx retail; Washington Trust finances Dollar General deal  Real Estate Weekly

Houlihan-Parnes Properties announced the following transactions: • Mortgage financing totaling $3,500,000 on three retail properties in the Bronx; 134 West ...


The Industry Pulse: Updates on Roundpoint, CoreLogic, and More  DSNews.com

Click through to learn more about the launch of new functionalities, new partnerships, and crucial hires in this weekly update.


Is the refinance market bouncing back? Number of refi candidates jumps 75%  HousingWire

Refinance demand has essentially dried up in the last year, but could things finally be turning around? Maybe, according to the latest data from Black Knight, ...


Mortgage rates today, February 22, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose very slightly yesterday. So slightly, indeed, that your lender may not have bothered adjusting yours, although it may have slightly ...


How big can Quicken Loans get?  Crain's Detroit Business

Detroit-based company is largest retail mortgage originator in U.S., overtaking Wells Fargo & Co. and JPMorgan Chase in 2018; Nontraditional approach ...


Mortgage Rates Are Down – but Is the Housing Market Looking Up?  Knowledge@Wharton

Is it time to cheer for aspiring home buyers or existing homeowners looking to refinance their home loans? Mortgage rates fell for the third consecutive week on ...


More inventory, lower mortgage rates as 2019 homebuying season tilts toward buyers  Bankrate.com

Spring is here, which means peak homebuying season is right around the corner. Although it varies from place to place, generally most people start shopping for ...


Mortgage rates fall for Monday  Bankrate.com

Several key mortgage rates slid lower today. The average for a 30-year fixed-rate mortgage decreased, but the average rate on a 15-year fixed were higher.


Fixed mortgage rates are diving. Here’s where to get the best deals  The Globe and Mail

This housing market has nine lives, and I'm not sure which one it's on. Its latest saviour comes from fixed mortgage rates, which are falling like rocks. They're ...


Am I accidentally committing mortgage fraud? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You're not a criminal. You just want to buy a home with a mortgage. But you could accidentally commit mortgage fraud unless you avoid these mistakes.


Defying Mortgage Delinquency Trends  DSNews.com

While mortgage delinquencies continue to drop, February appears to have been an outlier. What made February's delinquencies climb?


Jumbo Mortgages Are Slowing Down, Testing Banks’ Postcrisis Playbook  The Wall Street Journal

High-end home buyers are turning cautious, a blow to banks that refocused their mortgage businesses around wealthy borrowers in the years after the financial ...


Home value perceptions continue to widen in February  theday.com

Following a year in which homeowner estimates of their property's value hovered relatively close to the appraised value, expectations have gradually become.


Elon Musk Turns to Morgan Stanley for Five Monster Mortgages  Bloomberg

When it comes to cars, tunnels and rockets, Elon Musk thinks big. The same's true for his household finances. The billionaire recently took out $61 million in ...


Using a Cash-Out Refinance as a Financial Tool  Zing! Blog by Quicken Loans

A cash-out refinance can be a useful financial tool. Read on to find out how to make your home value work for you.


Why the Housing Market Should Not Worry About Equity Take-Out  MarketReview.com

Can we look at the rate that people are refinancing their mortgages and conclude this will or even could cause a housing market crash? Some people do ...


Report: Homeowners gained nearly $10K in home equity last year | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Home price growth might be slowing, but homeowners are still gaining serious equity in their properties, According to new data, the average homeowner saw ...


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 ...


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.


New rapid mortgages allow closings in as few as 8 days  Bankrate.com

Some lenders are drastically cutting closing times which, they say, provides an edge in competitive markets. Loandepot is offering what may be the fastest ...


Mortgage prepayment rate may signal refi increase: Black Knight  Seeking Alpha

Prepayment speeds in February rose by 11% from January's 18-year low, suggesting an increase in refinance activity driven by recent declines in the 30-year.


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 ...


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 ...


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 ...


TFS Financial Co. (TFSL) Plans $0.25 Quarterly Dividend  Fairfield Current

TFS Financial Co. (NASDAQ:TFSL) declared a quarterly dividend on Friday, February 22nd, Wall Street Journal reports. Stockholders of record on Tuesday, ...


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 ...


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 ...


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you haven't locked a refi yet, see how your payments might be affected.


Mr. Cooper News: COOP Stock Hit by Downgrade  Investorplace.com

Mr. Cooper news about a recent downgrade for the company from analysts at Piper Jaffray is hitting COOP stock hard on Wednesday.


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.


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

There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ...


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 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 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.


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, ...


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 dips for Tuesday  Bankrate.com

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


The main reason to refinance your mortgage: Save money  Chicago Tribune

A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction.


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

Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ...


Refinance rates decline for Thursday  Bankrate.com

Several benchmark refinance rates decreased today. See what that means for your refinance.


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 home loan.


Refinance rates decline for Tuesday  Bankrate.com

Multiple closely watched refinance rates trended down today. See what that means for your refinance chances.


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.


Mortgage refinance applications decline to 18-year low: MBA  National Mortgage News

Mortgage applications decreased 1.8% from one week earlier as refinance submissions fell to their lowest in nearly 18 years, according to the Mortgage Bankers ...


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.


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.


Should You Refinance Your Mortgage?  Forbes

Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ...


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 rate advances for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate.


Refinance rates fall for Wednesday  Bankrate.com

Multiple key refinance rates ticked downward today. If you haven't locked a refi yet, see how that could affect you.


Refinance rates dip for Wednesday  Bankrate.com

Multiple key refinance rates slid lower today. If you're shopping for a home loan, see how your payments might be affected.


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 rates tick lower for Thursday  Bankrate.com

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


Refinance rates tick higher for Monday  Bankrate.com

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


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.


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.


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.


Refinance rates hold steady for Friday  Bankrate.com

Several benchmark refinance rates held steady today. See what that means for you if you're in the market for a mortgage.


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.


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