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Stopping Foreclosures


If you as an investor understand the process, you will be able to help more people!

Foreclosure is tuff on folks it's all about losing!

Your customer loses their home and the lender loses money!

If you can get your focus going in the right direction, you can create a Win - Win scenario for all involved.

Writer and philosopher Johann Wolfgang von Goethe said, "Kindness is the golden chain by which society is bound together."

You need to act fast as an investor when dealing with people in foreclosure and one of the most difficult areas of this process is getting the property owner to act.

The longer they wait to act, the less time you will have.

When people face financial distress they feel powerless and confused, many in foreclosure spend too much precious time denying their predicament until the last minute when only the most extreme of remedies remain available.

Keep in mind that you will need to avoid to long of a foreclosure delay as the cost will mount up and may just drive you out of profit range.

It is vital that you help your customer to respond to any legal notice or document and assemble a delay strategy(s) immediately.

Many property owners facing foreclosure end up declaring bankruptcy as a solution to their foreclosure problem because:

* They see no way out
* They are unaware of options
* bankruptcy Attorneys contact them when the foreclosure is posted
* Investors do not display empathy

Many believe that bankruptcy will stop their foreclosure and everything will be ok.

Many attorneys do not tell property owners that bankruptcy will only drive up the foreclosure cost. Simply put foreclosure solutions are not well understood.

Over ninety percent of bankruptcy attorneys don't handle alternative workout programs such as:

* Straight Sale
* Sale by assumption
* Foreclosure Presale
* Compromise Sale
* Shortpayoff
* Deed in Lieu
* Workouts
* Forbearance
* Modifications
* Assignment
* Sale/Leaseback or Deedback
* Hard Bargaining
* Injunctions
* bankruptcy

Therefore, even though the attorneys may come across as knowledgeable and educated, their final advice on how to save a home is to tell people to declare bankruptcy.

Bankruptcy can be the right solution for some homeowners who are trying to save their home.

However, it is far from the number one choice. In fact, it should be the last resort. In talking to a bankruptcy attorney, one is led to believe that bankruptcy is the best and only choice.

Your major strategy as an investor is "buying time".

If your customer goes straight to bankruptcy, all other options that could have bought time have been bypassed and are no longer available.

Having done that, if there are any problems making the Chapter 13 payments, there are very few options left. In addition, it may have been possible to get a work out solution approved instead that solved the situation without bankruptcy. This would also be a much better solution as far as saving credit.

Most people don't realize how damaging a bankruptcy or foreclosure is to their credit until it's too late. It is something that can follow a person for a very long time.

You will find that in most cases, people will contact you at what I call the too late stage, because their back is up against a wall and the auction is the next day or even the same day. In these cases, you as an investor have the option to bring the loan current and take control of the property or assist your customer in filing a bankruptcy to stop the sale.

This is done only to buy time, and the homeowner doesn't actually follow through with their court appointments and filings and lets the bankruptcy "fall off calendar" (it never actually goes through).

Many of your customers will be in denial that they are about to loose their home, they will tell you it's all worked out, they are not in foreclosure, they did not know and the list goes on.

It's your job to get them to face the facts and how you can help them as an investor.

Now how do you deal with them, how to approach them and how to talk to them during this most difficult time?

My first step in the communication process is to send a letter to let them know I'm available to help.

The homeowner is probably being bombarded with letters, calls from attorneys and bill collectors, and has creditors showing up at his door.

The only way to contact the homeowner is by telephone, mail or in person, and chances are you will have a difficult time getting in touch with him.

Start with mailings. Indicate in your letter that you are a private investor looking for property in that part of town.

Let the property owner know that you may be able to help him with his financial problems.

Demonstrating an understanding, the homeowner's dilemma will help your efforts.

Indicate in your letter that you may be able to stop the foreclosure, save his credit rating and provide cash for use in paying his bills and/or for relocating.

Be professional and gracious in your correspondence.

Invite the homeowner to call you at his convenience.

If you are going to make an offer on the property, you must have the loan, ownership, and debt or lien information.

You must also assess the condition of the property and the property owner.

Combined with the market value and the default amount, you have all the ingredients necessary to formulate your offer.

If you feel comfortable with it, you can visit the property in person.

You may be confronted by an angry homeowner.

Be polite and leave if you are asked to.

Never, under any circumstance, snoop around, inspect or generally trespass unlawfully on somebody's property.

Use common sense and dress appropriately when meeting with the homeowner, something casual but not sloppy. Do not drive up in an expensive vehicle, as the homeowner will see you just like they see the lender as someone who is taking advantage of them!

Be sympathetic.

* Does the homeowner need cash?
* Is he waiting for a bailout?
* Will he go bankerupt?

Find out the facts.

* Review the loan and mortgage documents.
* Verify the loan amount, monthly payments, interest rates, taxes, etc.
* Review the insurance policies as well.
* Get all the pertinent information you can.
* Ask the owner if there are any other liens or judgments he may be aware of.

I look at investing as a mechanic - the more tools you have the more you can do - The more investing tools you have in your investors tool box the more people you can help.

"You will never do anything in this world without courage. It is the greatest quality of the mind next to honor." By Aristotle, Greek Philosopher

John Michael
Office - (775) 535-1341 or (417) 862-3164
Toll-Free: 1-877-225-5928 & enter 417862-3164
Fax - (775) 307-6541
Email: john@jmichaelrei.com
Web Site: http://www.jmichaelrei.com/


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

Falling rates touch off a boom in mortgage refinancing  STLtoday.com

The global economy's pain has become the Jones family's gain. Worries about trade tensions and slower growth have caused long-term bond yields to plummet ...


Is now the time to refinance?  Las Cruces Sun-News

Since there is no “one size fits all” reason why one may desire to refinance, the first order of business is to identify the purpose of the refi.


Millennials drive mortgage refinance boom, and lenders are scrambling  CNBC

Mortgage interest rates have been falling since May, especially sharply this month, so borrowers, especially millennials, are rushing to refinance. Refinance ...


Mortgage rates today, August 19, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates inched down on Friday, defying our prediction. Mortgage News Daily explained it best, talking about the “weirdness” that has ...


Refinance rates ease for Friday  Bankrate.com

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


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a home loan, see what that means for you.


Mortgage rates are at a 3-year low—here are 3 questions to ask before you refinance  CNBC

Mortgages rates hit a three-year low on Friday, August 2, when the average rate on a 30-year fixed mortgage hit 3.70%, the lowest they've been since November ...


Refinance mortgage rate increases for Monday  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 mortgage.


Why to consider a mortgage refinance, even if you just bought recently  cleveland.com

Mortgage rates have fallen so much lately that millions of homeowners might benefit by refinancing — even if they bought a home in 2018. Here's why, plus tips ...


When Should You Refinance a Home?  Forbes

A home is the biggest purchase most people ever make. When buying a home, we are all impacted enormously by a factor largely outside our control: interest ...


Refinance mortgage rate falls for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a home loan, see what that means for you.


Mortgage-Refi Fever Sweeps U.S., Forcing Brokers to Scramble  Bloomberg

Suddenly, mortgage broker Mark Livingstone is working weekends and spending his meager free time reading resumes because he needs help handling the ...


Refinance mortgage rate trends higher for Friday  Bankrate.com

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


Fannie Mae predicts surge in mortgage refinancing following Fed rate cut  Yahoo Finance

It is expected that 35% of all new mortgages in 2019 will be made up of refinanced mortgages, according to a report from Fannie Mae (FNMA) out on Thursday.


Key questions to ask before you refinance your mortgage  Bankrate.com

While refinancing your home mortgage might sound like a good idea in theory, especially with interest rates falling, it may not always be possible for every ...


Millennials move to refinance as rates approach three-year lows |  The Mortgage Reports

With rates at three-year lows, Millennials are finally hopping on the refinance bandwagon. Refis accounted for 14 percent of all Millennial loans in June.


Nearly 10 million borrowers could lower their mortgage rate by 0.75% by refinancing right now  HousingWire

Just three days ago, data from Black Knight showed that 8.2 million borrowers could save big on their mortgages thanks to the recent decline in mortgage ...


Refinance rates increase for Tuesday  Bankrate.com

Several benchmark refinance rates moved higher today. If you're shopping for a home loan, see what that means for you.


As mortgage rates tumble, rush to refinance for savings is on  Star Tribune

There is a silver lining to the recent economic turbulence: Mortgage rates have tumbled in recent weeks, triggering a rush to refinance and a race to the closing ...


You could save hundreds of dollars per month by refinancing your home—here's how to do it  CNBC

With mortgage rates falling, borrowers are primed to save hundreds per month by refinancing. Here are six steps to follow to successfully refinance your home.


Refinance mortgage rates: 10 steps to get the best deal | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

How do you get the best refinance mortgage rates? Plan ahead and have a strategy. Here's how to do it in today's low-rate mortgage marketplace.


Refinance mortgage rates mixed for Wednesday  Bankrate.com

Refinance rates were mixed today. See what that means for your chances of getting a better mortgage rate.


Will mortgage rates keep dropping? Homeowners and buyers benefit from lower interest rates  USA TODAY

Mortgage rates dropped to nearly three-year lows on China trade fears and a Fed rate cut. That's helping homeowners and buyers in the market now.


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate trended upward. See what that means for your refi.


With mortgage rates this low, is late-2019 a good time to buy a house? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage interest rates have been dropping lately. So have home prices. There are real estate deals waiting to be claimed. So that begs the question: Is the rest ...


Mortgage rates fall, reaching nearly three-year low  The Washington Post

Mortgage rates dipped slightly to a nearly three-year low because of concern about a potential global economic slowdown and some weak home sale news.


Mortgage rates move lower for Wednesday  Bankrate.com

Multiple closely watched mortgage rates ticked downward today. If you haven't locked yet, see how your future mortgage payments could be affected.


Opinion Ginnie Mae and the politics of prepayments  National Mortgage News

Wide short-term swings in interest rates — and loan prepayments — that we've all witnessed have serious secondary effects on consumers, lenders, investors ...


Fannie Mae Predicts Two Additional 2019 Rate Cuts, Here's Why  Mortgage News Daily

Fannie Mae used a fair number of trade-offs in while coming up with its revised outlook for the real gross domestic product (GDP) this year. The company's ...


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

Average mortgage rates should have fallen yesterday, in line with our prediction. But they didn't. They remained at the same, ultralow level. Under the headline ...


Should I refinance for 0.25% lower rate? Or wait for 1% or more? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

How much do refinance rates need to drop before I refinance? Is the rule 1%, or should I refinance for just a 0.25% lower rate?


Mortgage refinance applications rise as trade issues cause rate drop  National Mortgage News

The economic tensions between the U.S. and China drove interest rates down last week, leading to a surge in refinance applications, according to the Mortgage ...


Negative mortgages set another milestone in no-rate world  National Mortgage News

The world's headlong dash to zero or negative interest rates just passed another milestone: Homebuyers in Denmark effectively are being paid to take out ...


Is Refinancing a Mortgage Expensive?  WTOP

Refinancing a mortgage could result in a lower monthly payment or a reduction in your interest rate. That could save you money, but is the cost to refinance…


How to tap into today's VA refinance rates with almost no paperwork | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

VA refinance rates have fallen significantly since late last year. For many VA borrowers, this is the time to consider the savings which might be available with ...


U.S. Mortgage Debt Hits Record, Eclipsing 2008 Peak  The Wall Street Journal

WASHINGTON—U.S. mortgage debt reached a record in the second quarter, exceeding its 2008 peak as the financial crisis unfolded. Mortgage balances rose ...


Mortgage Rates Jump After Tariff Delay  Mortgage News Daily

Mortgage rates were still unchanged for many lenders as of this morning. There were even a few offering slightly lower rates compared to yesterday morning's ...


Mortgage Lenders See Surge in Refinancing  businessjournaldaily.com

YOUNGSTOWN, Ohio -- With mortgage rates sitting at their lowest in the last few years, lenders say now is the time to refinance – and customers are heeding ...


Mortgage demand falls again, despite lower interest rates  CNBC

After rising the previous week, interest rates fell back again last week, but consumers were not enthused.


Low rates lead to a record wave of Danish mortgage refinancing  Nasdaq

July 29- Danish homeowners have taken advantage of ultra-low interest rates to pay down mortgages worth 137 billion Danish crowns since May,.


How the Fed’s interest rate decisions affect mortgage rates  Bankrate.com

The Federal Reserve lowered interest rates at its July meeting, but only some mortgage borrowers need to pay attention, including those with adjustable-rate ...


U.S Mortgage Rates Tumble as Trade War Angst Bites  Yahoo Finance

An escalation in the U.S – China trade war and negative business sentiment weighed on mortgage rates. Any near-term upside will be limited at best.


HUD slashes FHA cash-out refinance LTV limit. What you should do now | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

FHA cash-out refinancing rules will change starting September 1, 2019. The new rule will limit cash-out refinances to 80% of a property's fair market value.


The Time Is Right to De-Risk Your Retirement Portfolio  Morningstar.com

For pre-retirees and retirees, the risk of standing pat with a too-heavy portfolio mix outweighs the downside of exiting stocks too early.


Near-Record Low Rates Trigger Refi Wave Among US Homeowners  pymnts.com

U.S. mortgage refinancing is on the uptick as fears about fluctuating global markets cause a drop in interest rates, the Financial Times reported Sunday (Aug.


I'm going to refinance my mortgage. How can I raise my credit score?  lehighvalleylive.com

Q. I'm going to refinance my mortgage by the end of the year and I want to improve my credit score, which is 742 according to Credit Karma. What's the fastest ...


Mortgage Rates Miraculously Flat Despite Massively Lower Treasury Yields  Mortgage News Daily

Mortgage rates were unchanged to slightly higher today--a claim that utterly boggles the mind of anyone who thought they understood the relationship between ...


Need a Mortgage Fast? You're in Luck: The Home Closing Process Is Speeding Up  San Antonio Express-News

According to a recent study by LendingTree, the time it takes to get a mortgage (aka home closing) lasts an average of 40 days in 2019. Erica Sweeney ...


Mortgage rates today, August 12, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell significantly on Friday. We'd predicted they'd barely change. And we should have been right, according to all the markets that ...


ARM, HELOC mortgage borrowers just got a break in the wake of Fed announcement  Bankrate.com

Some borrowers might see lower monthly payments come the end of July if Federal Reserve Chairman Jerome Powell lowers interest rates. The federal funds ...


I'm refinancing my mortgage. Do I need to hire an attorney?  NJ.com

Your comfort level with the lender should be the deciding factor.


Key mortgage rates mixed for Wednesday  Bankrate.com

Mortgage rates were mixed today. If you haven't locked yet, see how your payments might be affected.


Mortgage rates today, August 6, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell yesterday, as we predicted. As a result, they're now at their lowest level in 33 months. However, mortgage lenders didn't keep pace ...


Mortgage rates today, July 24, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates provided another pleasant surprise yesterday when they held steady instead of rising. The bond yields they typically shadow did rise.


U.S. mortgage rates hover near historical lows  Dayton Business Journal

The 30-year fixed mortgage averaged 3.6 percent for the week ending Aug. 15, the same as last week.


Surprisingly, lots of 2018 homebuyers could save money by refinancing now  Charleston Post Courier

Economists thought mortgage interest rates would rise to 5.5 percent this year, but instead they've dropped so low that recent homebuyers could save money by ...


Fuel for the Next Mortgage Bust?  WOLF STREET

Cash-out refi hype is back full-blast. And for the first time since early 2006, people are doing it in large numbers. This is the transcript from my podcast last ...


Mortgage rates today, July 26, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates increased yesterday, as we predicted. It wasn't a huge rise, but it was enough to take them back to last Friday's levels. They're now ...


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

Average mortgage rates barely moved on Friday, as we predicted. However, the movement that did occur was different from what we expected. The average ...


Real-Estate Matters | Divorce decree supports ex-spouse, so refinance house  The Columbus Dispatch

Q: I got divorced about four years ago. The deed to the house was, and is, in my name alone, and has been from the time we bought it.During our marriage, we ...


Mortgage rates today, July 25, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates held steady again yesterday. That's nothing to complain about. It means they remain in their ultralow range. But the difficulty of ...


Pimco Income Fund, run by Dan Ivascyn, whipsawed by big bond rally  KFGO News

By Jennifer Ablan NEW YORK (Reuters) - The massive rally in Treasuries has whipsawed the biggest name in the bond world. Pimco group chief investment ...


Mortgage rates today, July 23, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates had a surprisingly good day yesterday. They fell sufficiently to find themselves back at the top of the ultra-low range we saw for the first ...


Dougherty Mortgage Closes $11.6 Million Fannie Mae Loan for The Life at Snapfinger Woods  MultifamilyBiz.com

ATLANTA, GA - The Atlanta, Georgia office of Dougherty Mortgage recently closed an $11.6 million Fannie Mae loan for the refinancing of The Life at...


Consider a Mortgage Refinance, Even If You Bought Recently  NerdWallet

Refinancing a mortgage might be a good idea, even for homeowners who bought a home in 2018. Mortgage rates have fallen so far that millions of homeowners ...


NMP Webinar: How To Automatically Close More Deals From Past Customers, Referral Partners and New Leads!  National Mortgage Professional Magazine

The NMP Webinar: How To Automatically Close More Deals From Past Customers, Referral Partners and New Leads! will be held Thursday, Aug. 29 at 11:00 ...


Good time to refinance your mortgage?  Fox Business

The 30-year fixed mortgage rate recently reached its lowest levels since September 2017.


'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, ...


Mortgage rates haven’t been this low since 2016 — here’s how to decide whether to refinance your home loan  MarketWatch

More people are pursuing refinances as mortgage rates have dropped.


Refinance mortgage rate retreats for Wednesday  Bankrate.com

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


Refinance rates fall for Wednesday  Bankrate.com

Multiple benchmark refinance rates fell today. See what that means for your refi.


Refinance rates trend higher for Tuesday  Bankrate.com

Several closely watched refinance rates moved higher today. See what that means for your refinance.


As mortgage rates plunge, should you refinance?  Fox Business

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


Refinance mortgage rates mixed for Thursday  Bankrate.com

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


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 ...


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%.


Refinance mortgage rate eases for Thursday  Bankrate.com

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


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.


Will mortgage rates drop even more? Should I wait to refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates are near historic lows, but maybe you've heard that nagging voice, the one which says “wait just a little longer. Rates can drop lower.


Better.com raises $160m to expand partnerships, launch insurance products  bankinnovation.net

Better.com, a New York-based mortgage lending startup, raised $160 million in a Series C funding round on Monday to develop new products, hire new ...


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 ...


How to Refinance a Mortgage and When to Do It  TheStreet.com

Your mortgage can cost a lot of money over time. Here's how it might just cost a little less....BAC.


UK’s Labour Party Wants To Take Over Vacant Retail Properties  pymnts.com

The UK's Labour party is set to allow local authorities to take over vacant properties in an effort to give the country's retail market a boost.


Segway-Ninebot Debuts Self-Driving Electric Scooter  pymnts.com

China's Segway-Ninebot has come up with an answer to everyone's eScooter charging woes. The company's KickScooter T60 can drive itself to the charging ...


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for your chances of scoring a killer refi rate.


Refinance mortgage rate moves up for Friday  Bankrate.com

Refinance rates were mixed, but one key rate ticked up. See what that means for your refinance.


Sam Chang Scores $83M MRC Mortgage at Shuttered Midtown Hotel  Commercial Observer

Sam Chang's hotel firm has pinned down a $83 million from Madison Realty Capital (MRC) to refinance a hotel it owns near Rockefeller Center, according to ...


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 moves up for Thursday  Bankrate.com

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


These are the 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 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 ...


Refinance mortgage rate moves up for Monday  Bankrate.com

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


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 ...


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 ...


Debt Consolidation with Mortgage Refinancing: How to Pay Off Debt with a Refinanced Mortgage  Zing! Blog by Quicken Loans

Considering a mortgage refinance to consolidate debt? Before you do, read our guide to make sure you understand how it works along with the pros and cons.


Weekly mortgage rates fall further, but only refinance applications rise  CNBC

Mortgage application volume was 40% higher than a year ago, largely because lower rates are strengthening the refinance market.


How to get the best deal on your home mortgage refinance  cleveland.com

Mortgage rates may be rising but there's still room to refinance your home loan. You might have heard much said about the constant rise of interest rates over the ...


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.


Refinance rates ease for Wednesday  Bankrate.com

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


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Mortgage Debt Elimination shows that most home loan debts will be secured. Secured debts usually are tied to an asset, like your house for a mortgage.


Types Of Home Equity Loans
There are two broad types of home equity loans: Term loans: Home equity loans of a fixed nature are also called second mortgages. For example, if you have bought a home for $10,000, and made a down payment of $1,000, and taken a mortgage for the rest and have managed to repay another $2,000, then you can apply for a home equity loan of $3,000.


Making Sense of Mortgage Speak
Applying for a home loan can be overwhelming. You will need to contend with mountains of papers, contracts, documents; and do lots of planning and coordination.


What You Don't Know About The Real Estate Process, Some Inside Secrets
Some people in the real estate industry have a terrible reputation. Why, because they deserve it.


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.


Is an ARM Right For You?
Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate of an ARM goes up and down based on whatever external index it is tied to.


Finding the Best Homeowner Loans for Your Money
Looking for the best homeowner loans can be stressful, especially when there are so many different lender options to choose from. Banks, finance companies, and online services all claim to offer the best homeowner loans? which one should you choose? The answer can depend upon what you're wanting out of a loan, what past business relationship you have with the lender in question, and the amount of equity that you have in your house to use as collateral for the loan.


How to Find a Good Online Homeowner Loan
A quickly growing trend in lending is the online homeowner loan. This loan uses the equity that you have in your home to secure the loan amount, and features both a convenient way to apply and check on your loan as well as faster decision times and lower interest rates than many loans offered by more "traditional" lenders such as banks and finance companies.


Refinancing Mortgage Loan - Get The Lowest Interest Rate You Can When Refinancing
Refinancing can be a very simple process. You fill out a few applications, take the best offer and you're done.


Mortgage After Bankruptcy
Most people probably assume that obtaining a mortgage to purchase a home, refinance or to consolidate debt after a bankruptcy is out of the question. In fact, many people are able to obtain these mortgage services, even 1 day after a bankruptcy discharge in some cases.

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