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Refinancing Home Mortgages

As a general rule, most people claim the best time to refinance is when rates have dropped 2% or more since you closed your first mortgage. However, refinancing may still be worth the trouble for as low as 1.5% or 1% difference. Whether or not going through the loan process is advisable for less than a 2% drop depends on your existing loans. If you have an adjustable rate mortgage and are worried about how the rates will move in the future, the added security of a fixed rate alone may make refinancing worthwhile.

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Home owners refinance their loans for a variety of reasons. Perhaps you want to:

  • Take advantage of low interest rates
  • Switch an adjustable rate mortgage (ARM) to fixed rate
  • Set a lower rate ceiling
  • Borrow extra money to fund a large purchase
These are all excellent reasons to refinance. With low current interest rates, now could be the perfect time to refinance your home mortgage.

Refinancing home mortgages does not have to be an intimidating process. Experience with closing a loan will help homeowners refinance their home mortgage into the kind of mortgage that is most appropriate for their home and income. Apply online to contact up to four lenders about refinancing your home mortgage today.

Also, homeowners purchasing a vehicle may wish to use cash-out refinancing. Home loans generally come at a much lower rate than the ones found when financing a car. If you refinance and close a loan that repays the first mortgage as well as the price of a car, you have not only rolled two payments into one significantly lower monthly payment, but bought the car at a much lower interest rate. This process will have saved your household money both monthly and in the long run.


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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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Refinancing a home mortgage is simply a replacement of an old loan with a new one. If rates are lower or you aren’t satisfied with the terms and conditions of your present loan, refinancing is a gateway to change for you… Home equity allows you to take out a second loan at a lower interest rate than your home loan to finance other large purchases you would like to make such as a loan for home construction or the purchase of a second house… Picking a home loan is a huge decision that requires an understanding of the various types of interest rates available for your loan. Most mortgage terms are for thirty years however only paying interest over fifteen years can save you as much as 50% of the total cost of your home…
Calculators on our website provide a variety of real estate mortgage calculations such as refinancing, debt consolidation and mortgage payment calculations… Mortgage lenders generally provide lower rates to mortgage brokers who they have working experience with. This provides incentive for you to deal with mortgage lenders through a mortgage broker rather than directly on your own…

An adjustable rate mortgage is available at historically low rates and can be more easily financed than a fixed rate mortgage. Get a ceiling interest rate to ensure that the market interest rates don’t come back to bite you later…

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