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Mortgage Refinance Information

Subprime Mortgage Loans Online - What To Expect


Applying for a subprime mortgage loan online can seem intimidating at first. With so many lenders to choose from, it can appear difficult to find the best mortgage loan. However, online subprime lenders allow you to search for rates, compare financing options, and avoid falling prey to predatory lenders.

Save Money on Your Mortgage


You should say goodbye to PMI. You may not notice it in the crush of your monthly mortgage statement, but many Americans pay for a line item called PMI. PMI stands for "personal mortgage insurance," and lenders impose it on customers who have less than twenty percent equity in their homes.

Home Construction Loans


You can maximize your savings by shopping for a lender that can provide you with a combination loan. The combination loan starts as a construction loan. During this phase, your lender cuts checks to your builder and their subcontractors as they successfully reach significant steps in the building process. Once your home nears completion, your lender activates a traditional mortgage.

Remortgage ? When Monthly Mortgage Payments are Touching New Heights


Current economic scene has hinted towards a fall in the Bank of England base rate from a three and a half year high of 4.75%. 78% of the property investors are contemplating refinancing their home loans. Are you thinking the same? This is the appropriate time for remortgage and moving to competitive interest rates. Remortgage is indeed a very cost effective option.

The Debt Test: Are You Making Out a Mountain Out of Your Mortgage?


According to the Council of Mortgage Lenders, first-time buyers are the most susceptible group of homeowners to debt, as they are more likely to have higher loan-to-value ratios and commit a higher proportion of their income to mortgage repayments. Despite their susceptibility to debt, there is evidence which indicates that insurance take-up and employee benefits provide recent first-time buyers with a safer foundation than the general population of mortgage borrowers.

Money Smart Homeowners Use this Mortgage Strategy Every Time


There are currently more than 50 million home mortgages in the United States today. So why aren?t more homeowners taking advantage of the highest yielding lowest risk, tax-free financial strategy available today?

Desperately Seeking Good Leads, The Adventure Driven Loan Officer


As loan officers, the word ?lead? is by far one of the most common words we use during the day, it is the topic of many of our conversations, it is praised and cursed, it is good and it is bad, it is loved and it is hated, on bad days it is hard to find, and on good days it falls right into our lap.

Carolina Mortgage Loans


You're selling your home and are looking to relocate to the Carolinas. While researching homes in your new community you discover that you do not know of any mortgage lenders in the area. Your realtor is pressuring you for some answers. The solution? You turn to the internet and discover Carolina mortgage loans are available right online.

First-time House Buyers: to Buy or Not to Buy; that is the Question


Buying your first house is always a difficult time. There are so many important decisions to make, and problems to be solved, which combine to make it one of the most stressful events that will occur in most people?s lives.

Should You Get a Home Inspection?


It?s very important, and in my opinion, mandatory to have a home inspection done before you close on a house. The inspection helps with giving you an objective evaluation of any problems with the home before you move in.

Choosing a Real Estate Agent


Before you go looking at houses, you?ll need to find a real estate agent. Hiring a real estate agent takes a little bit of time to do. You?re making one of the most important financial decisions in your life and you want to make sure you hire the right person.

Getting a Home Improvement Loan: What Your Bank Needs


The popularity of stores like Home Depot and Lowe's show how many homeowners are jumping on the home improvement bandwagon. Maybe you're thinking of redoing part of your house as well. Perhaps you want the kitchen of your dreams or an extra bathroom. You know you'll have to take out a loan to finance the project, but if you're just in the beginning stages of the planning, you may not know exactly how to go about it. Whether you're refinancing or taking out a home-equity loan, here's some information on what your bank needs:

Need Mortgage? Alternative Finance Often Masks Predators, Who Want to Steal Your House


So, your bank had just turned you down for a mortgage application. The same thing also happened, when you went to other banks in your area. How can those banking people be so blind? Don't they see that you are a hard working person? That you intend to repay them every penny?

Home Equity Loan ? Still a Better Idea Than a 401(K) Loan


Anyone who borrows money is always looking for the cheapest source of funding. That makes sense; no one wants to pay more in interest than is absolutely necessary. And anyone with a sizeable amount of debt, such as credit card debt or a student loan, would be wise to consolidate their debt with a lower interest loan. One source of such a loan is a 401(K) account, which many consumers may have through their employer. Since the interest rate on Federal student loans rose on July 1, many students who missed that deadline may be wondering if consolidating through a 401(K) loan is a good alternative. Is it?

Home Equity Loan ? When Does Refinancing Make Sense?


For the last two years, interest rates have been much lower than anytime during the last thirty years. This has resulted in an unprecedented boom in real estate sales, home refinancing and home equity lending, as borrowers try to take advantage of these rates for the long term. But refinancing or even borrowing against your home?s equity may not make sense for everyone. When is it a good idea to refinance your home? When is it not advisable?

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