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Refinancing for a larger amount than your original loan The time you Refinance may be a good time for you to take out some additional money for home improvements. In so doing, you can add to the vaue of you home. An important factor in this decision is the tax status of the interest you will pay on your new loan. This status depends on how the money is used. If your cash is used for home improvements, the money is considered acquisition indebtedness and you can make a tax deduction. If the money is used for other purposes, you may not qualify for a tax deduction. Refinancing is typically a great option if you intend to stay in your house for at least a few more years; however, make careful considerations of the tax issues involved with taking out a larger loan in the process. A quaified mortgage broker can help work out these figures with you. Often times, because rates are so low today, regardless of how the money acquired through the loan is spent, you stand to make great savings.

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Your first decision may be deciding whether you qualify for a fixed rate loan or an adjustable rate loan:

  • A fixed rate loan means that the interest rate will not change throughout the life of the loan. The monthly payment you have the first year of the loan should be the same as the monthly payment the last year of the loan. A fixed rate provides you with the stability of knowing exactly what your payments will be, but can leave some people dissatisfied if rates drop substantially over the years as they repay their loan. If this happens you have the option of going through the loan process again and refinancing your mortgage to take advantage of the lower rate.
  • An adjustable rate loan has an interest rate that fluctuates with certain indexes. An example of such an index would be the average rate of a one year Government Treasury Security. An adjustable rate loan does not offer the security of a fixed rate, but it generally has low introductory rates, and, if the rates drop, a homeowner with an adjustable rate can wind up payment less in interest than a homeowner with a fixed rate. Adjustable rate loans have predetermined periods between adjustments in the rate. These periods can be as low as one year or as high as five years.

Finding a loan can be nerve-racking, but finding the right one can help you settle into you new home with confidence and security. One of the best ways to find the right loan for you is to understand what the different types entail and what certain mortgage terms mean.

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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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Mortgage brokers operate to take the pain out of applying for a loan with a bank. More than just paper pushers however, they can often times get you a better rate because of their history with lending institutions. Apply online to get up to four competitive quotes… An interest only mortgage is a special kind of mortgage in which equity is not built in the home with monthly payments. These loans often last 5 – 10 years with lower monthly payments before being converted to a more traditional loan that pays down the mortgage balance… As your loan is repayed you will spend less and less on interest expenses every month. A loan amortization schedule will show you this break-down over the life of your loan…
Loan calculators are free tools that will let you determine your monthly payment on a new loan. You can also print an amortization table to see your payments over the entire life of the loan broken down into interest and principal… Buy a home now so you don’t lose out on today’s rates. Home values continue to increase and home ownership continues to be a valuable investment in the future…

Bad credit loans are available for people with poor credit ratings or prior bankruptcy. You may qualify for an adjustable rate mortgage at low rates with the help of one of our qualified mortgage professionals…

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