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Refinancing Home Loans

Refinancing home loans is much the same process as closing the loan the first time around, but in refinancing there is a major difference. This time the homeowner is more experienced and may know more about what he or she is looking for. For example, a homeowner who initially had an adjustable rate mortgage will refinance for a fixed rate mortgage. Or a homeowner with a an interest rate of 9% and a term of 30 years will refinance for a 5% rate and a 15 year term.

Homeowners should be careful to realize that since refinancing is essentially obtaining a new loan, the same kind of costs required at the origination of the first loan will be required for the second. However, a lower interest rate and monthly payment as well as “cashing-out” more than make up for these costs.

The best time to refinance is usually when interest rates are 2% less than the rates used to close your loan. Even if rates are slightly less than 2%, 1.5% for example, a homeowner can still save but it would take a longer period of time for those savings to materialize.

Turn your home loan into the loan you want it be. Lower your interest rates and monthly payments. Finance home improvements or a new car. Fill out our free short form and contact up to four lenders today.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Mortgages : Mortgage Loans : Home Loans

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Mobile Home / Manufactured Home Refinancing – must apply here instead
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  Home Lending Resources
Refinancing is simply the acquisition of a second mortgage that is used to repay the first mortgage. During this process, you can borrow against your home equity to increase the amount of the loan over and above that of your first mortgage. This is called a cash out refinance and gives you the funds to pay for home improvement, college tuition, a brand new car or any other major purchase. Depending on the use of the money left over after refinancing, the repayment may be tax deductible… Loans are awarded based on your income, the size of your debts and your history with repaying debts in the past. If you are looking to buy a home there are special programs available to help you come up with money for a down payment… An amortization chart can show you the entire list of payments you will make over the life of a loan in a printer friendly form. On an amortization chart you will see your payments broken down into principal and interest paid each month…
A VA Loan is a great opportunity for veterans to make the most of their money because they come with lower interest rates and smaller downpayments. With a certificate of eligibility a VA approved mortgage broker can set up veterans with a mortgage on a home… Mortgage advice comes free if you look hard enough. Fortunatly the rules are pretty simple and a lot of your looking comes down to simply shopping around for the best rate. It is useful to understand the different types of rates available…

Home loans are approved based upon your debt to income ratio and your credit rating. Figuring out how much home you can afford depends on the help of a qualified mortgage professional. Get up to four free quotes through Expo Financial with one easy application…

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