Refinance Articles

1). Mortgage Refinancing Below 500 FICO By : Tristan Hunt
If you have been turned down for a mortgage refinance, especially a cash out or debt consolidation refinance, because your lender says your credit score is under 500, there are a variety of new options and strategies available which can help you get the cash you need now to pay off your credit card debts, collection accounts, and other derogatory or poor credit accounts and improve your FICO credit score to the point where you can qualify for a low interest, fixed rate loan.
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2). Mortgage & Refinance Tips: Determining Your Income By : Tristan Hunt
When you apply for a refinance, debt consolidation or purchase mortgage, one of the most important factors in qualifying for the loan is your income. That may not seem like much of a surprise, but you may be surprised at all of the different ways your income can be calculated based on how well you can document it, and how much this can affect your loan process.
Article Related to: mortgage, refinance, debt, consolidation, credit card, minimum payment, investor, home loan

3). Refinance & Mortgage Tips: Down Payment From 401k Or 403b Retirement Annuities By : Tristan Hunt
If you are purchasing a home and have a substantial portion of your assets inside of a retirement account such as a 401K, 403B or other retirement product or annuity, you may choose the increasingly popular option of tapping those funds to make a down payment on your new home. Like any other accounts you may have in your name, such as brokerage accounts.
Article Related to: debt consolidation, mortgage, refinance, credit card, home loan, buy house, first time buyer

4). Mortgage & Refinance Tips: Debt To Income Ratios By : Tristan Hunt
Debt to Income Ratios, often referred to as “DTI’s”, are a key calculation used in the refinance, debt consolidation, and purchase mortgage application process. A debt to income ratio is arrived at by dividing your monthly debt payments by your pre-tax income. Debt to income ratios are finally used to determine how much money you can borrow, and a thorough knowledge of DTIs can help you get the most value from your refinance, debt consolidation or purchase mortgage transaction.
Article Related to: mortgage, refinance, debt, consolidation, credit card, minimum payment, investor, home loan

5). Living Debt-Free By : Debbie Dragon
Do you dream of living without the burden of excessive debt hanging over your head? It’s possible, but not easy. Living debt free requires financial discipline, all the time. To become debt free and maintain a debt free life, try the following three steps: 1. Get rid of existing debt. This is obviously your first step to living a debt free lifestyle.
Article Related to: debt relief, debt, get out of debt, refinance, credit card, debt free, debt free life

6). Oakland California Real Estate By : jen
Oakland, California, is located in Alameda County, and is 10 miles E of San Francisco, California. Oakland has a population of 399,484. It is in the San Francisco Bay Area region, and enjoys close proximity to San Francisco. The San Francisco-Oakland Bay Bridge links the two cities together. Concentrated efforts have been made in the preservation of precious Victorian homes.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

7). Considering a Mortgage Refinance By : jen
If you are looking for a mortgage refinance, it never hurts to shop around for the best rate and deal. Shopping around could mean the difference between paying or saving thousands of dollars in closing costs, and interest fees’. If time happens to be on your side, and you don’t need to refinance your mortgage immediately, take some time to educate yourself about the mortgage industry.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

8). Refinance & Mortgage Tips: Down Payment With Gift Letter By : Tristan Hunt
If you are a first time home buyer who has been out shopping for that dream house, you’ve probably already heard your real estate agent or property developer’s first question: “How much will you be putting down?” If you have excellent credit, several years of consistent income on record and a relatively long history of using credit wisely, you may qualify for 100% financing, often referred to as a “No Money Down Mortgage” or “Zero Down Home Loan”.
Article Related to: debt consolidation, mortgage, refinance, credit card, home loan, buy house, first time buyer

9). Refinance With Help From The FHA By : Lorna Mclaren
Refinance, Home Loan - The FHA can help...
Article Related to: refinance, home loans, fha

10). Refinance Rip-Offs: 6 Easy Ways to Avoid Them! By : Scott Zeeman
Refinancing can be frustrating when, after all is said and done, you find you've been ripped off! Here is an easy guide to help you save your money and have peace of mind. It's so easy today to lose money unnecessarily when you refinance. Hidden fees and penalties, terms you did not completely understand or a hard core loan officer who avoids issues you may have can create headaches you don't need! Let us show you how to easily protect yourself and come out way ahead.
Article Related to: refinance, mortgage refinance, home mortgage refinance, equity loan, home improvement loan

11). How You Can Use Rehab, Refinance and Cash Out as Long-Term Wealth Building Real Estate Investing By : David Neese
Today we are discussing a somewhat advanced strategy for you to use after you have been in the creative real estate investing business for a while. I call this “Rehab, Refinance, and Cash Out”. This strategy can lead to true long term wealth and financial independence. This works very well in a buyers market like Memphis where prices have been quite flat for some time.
Article Related to: rehab, refinance, cash out, real estate investing, wholesale deal

12). Cash Out Refinance By : jen
If you have owned your home for a period of time long enough to obtain some equity through your monthly mortgage payments and appreciation, you may be considering borrowing off the equity you have established in your home. This can be known as cash out refinancing, where you basically refinance your home and get some cash back in the way of a lump sum at the closing table.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

13). Getting a Home Inspection By : jen
If you are in the process of purchasing a new home, it will definitely be in your best interest to have a home inspection done. Not only will you want to have a home inspection done for your own sake, and peace of mind. But most lenders will require that you have a home inspection before they will proceed with the loan. The lending institution has just as much interest in the home as you do, so that is why they require a home inspection.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

14). Second Mortgage for Home Improvement By : jen
Now that you have been in your home for a few years and you have established some equity, you may be considering doing some home improvement with a second mortgage. Home improvement comes in many forms. Such as a new kitchen, bathroom, roof, siding, etc. You can acquire a home improvement loan or second mortgage through one of three ways. Refinancing with cash out, a home equity loan, or a home equity line of credit.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

15). UK Home Owner Loan Application Reasons By : Joseph Kenny
If you have a bad credit rating or a credit report which shows defaults and County Court Judgements (CCJs), it can be difficult to get a loan at a reasonable interest rate. One option that is useful for people with a bad credit rating is a homeowner loan. A homeowner loan is a secured loan that provides security for lenders and money for borrowers. A secured loan is a good option for people with outstanding debts who also own a home.
Article Related to: loans, home, equity, home loans, secured, refinance, money, apply, interest, house, owner, value

16). On Line Mortgage Quotes By : jen
On Line Mortgage Quotes The mortgage industry is a very competitive one, so if you are on the market for a mortgage, or refinancing your existing one, you may want to consider getting a few quotes on line. By obtaining a few quotes on line, you are in no way committing yourself to anything. Due to the competitive nature of the mortgage industry, it really wouldn’t hurt to post an on line application at a secure sight, and allow for four or five loan officers or brokers to compete for your business.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

17). San Jose California Real Estate By : jen
San Jose, California, is located in Santa Clara County and is in the heart of Silicon Valley. With a population of 894,943, San Jose is a vibrant, thriving metropolitan community. Culture, arts, and technology dominate here as evidenced by the innovative Tech Museum, the San Jose Museum of Art, and the Children’s Museum. Additionally, a campus of the California State University calls San Jose home.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

18). Securing the Best Mortgage Rate By : jen
If you are looking to purchase a new home or refinance the one you are currently living in, you will want to find the best mortgage rate out there. Securing the best mortgage rate for you really isn’t that difficult if you are willing to take some time and educate yourself, as well as put out some feelers to do some shopping around. The mortgage industry is a very competitive one, so for starters, shopping around isn’t such a bad idea.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

19). The Hierarchy Of Lenders By : Patrick Schwerdtfeger
“You’ve got great credit! We don’t need any documentation. You’re already approved.” Although offers like this sound enticing, their simplicity alone is evidence you’re getting into a bad loan. You see, the lenders who require documentation are also willing to offer better rates. Those who require little or no documentation charge for that luxury through a higher rate.
Article Related to: mortgage, real estate, interest rate, purchase, refinance, home equity, line of credit

20). Anchorage Alaska Real Estate By : jen
Anchorage, Alaska, is located in Anchorage County and lies 1434 miles northwest of Seattle, Washington. Anchorage has a population of 260,283. Its residents enjoy outdoor activities like kayaking through Prince William Sound, fly-fishing, skiing, and hiking and a relatively mild climate. Anchorage is a historical and bustling city that serves as the transportation, banking, and business center of the state.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

21). Refinancing With Cash Out By : jen
If you have lived in your home for a reasonable amount of time and have acquired equity through appreciation and monthly mortgage payments, you may be considering liquidating some of that equity by refinancing with cash out. Refinancing with cash out in laymen terms simply means to refinance your existing mortgage and borrow some of the equity in the home to be received in a lump sum at the closing table.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

22). 9 Places You Can Save Money For Your Family By : Deanna Mascle
Most families are spending more and more money every year (and not just because the cost of living rose) while also saving less and less. One reason is that few household managers spend much time reviewing expenses and expenditures to find ways they can save money. However almost every family has places where costs can be cut and pennies can be pinched -- and if those freed up funds are then used to pay down debt and save for the future it could have a dramatic impact on their quality of life.
Article Related to: finance, money, budget, personal, family, credit, debt, loan, mortgage, car, house, refinance, conso

23). Refinance my Mortgage - Mortgage Cycling Pay your Mortgage off in less than 10 years By : refinance my mortgage
Refinance my Mortgage - Mortgage Cycling Pay your Mortgage off in less than 10 years With mortgage rates near 20-year lows, competition in the mortgage industry is fierce. It seems like every day a new mortgage loan strategy comes out that is suppose to be the best thing since sliced bread. Whether it's a mortgage with no closing costs or an interest only mortgage, everyone is claiming they can save you a ton of money.
Article Related to: refinance my mortgage, refinance mortgage, refinance, mortgage, mortgage cycling

24). Avoiding PMI with a Home Equity Loan By : Nick Ran
Private mortgage insurance costs homeowners insurance premiums ranging from $250 to $1200 per year. In fact, laws require any loans for more than 80% of the home’s Fair Market Value carry PMI. And, the insurance is NOT tax deductible. A way to stash the extra cash is an 80/20 home mortgage. The combination uses one loan for 80% of the home’s FMV, and a second mortgage for 20% of the home’s FMV as a down-payment.
Article Related to: home equity loans, second mortgages, bad credit home equity loans, home equity loan rates, home equity line of credit, refinance

25). Is It ReFi Time By : Ron King
Millions of people are taking advantage of the current opportunity to refinance the mortgage on their homes. Rising home prices combined with falling interest rates have motivated people to convert their accumulated home equity into expendable funds. This frequently works to their immediate advantage, giving them a considerably lower interest rate and lower monthly mortgage payments.
Article Related to: refi, refinance