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Mortgage Refinancing

Some families also use what is called a “cash-out” refinance. In this case the homeowner would take out a new loan large enough to cover the first mortgage with enough left over to cover another large expense. The extra amount borrowed is based on home equity. Home equity is the value of your home that you own, in other words, the worth of your home above and beyond the mortgage that you owe. If your home would sell for $150,000 and your mortgage is 100,000, you have 50,000 in equity. Many lenders will allow you to borrow up to 85% of your equity.

Refinancing is in the simplest terms possible, the act of replacing your current loan with a new loan, which is why it gives you the opportunity to use your previous experience obtaining a loan to find the one that is right for you.

After the first couple of years some homeowners discover that their home mortgage is not as good as they originally thought. Some families realize that they need the stability of a fixed rate loan, or see that what seemed like a low interest rate is no longer impressive compared to current rates. Others realize that a fifteen year mortgage results in monthly payments too high for them to meet or that a thirty year mortgage doesn’t build equity quickly enough. For homeowners in this type of position, mortgage refinancing is the perfect way to obtain the right loan.

With interest rates at all time lows, many homeowners are looking into mortgage refinancing. If interest rates have fallen 2% or more since you closed your mortgage, refinancing may save you a lot of money. Take a moment to fill out our free short form and contact up to four lenders about refinancing your mortgage.


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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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   Want cash and a lower interest rate or monthly payment?
   Refinance again or for the first time and get cash back!
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Mobile Home / Manufactured Home Refinancing – must apply here instead
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Mortgage refinancing is the best way to take advantage of changes in the market that bring about lower interest rates. Why pay more in interest if you are planning on staying in your home and can break even refinancing in a few years… Calculate the monthly interest and principal that will be paid on your new loan. Print your your amortization schedule and factor in extra monthly payments to pay off your loan early… Looking for an amortization table? Our calculators generate amortization tables over the entire life of your home loan. The table is easily printed and it will show you how much interest you pay each year on your loan…
Current mortgage rates are determined by a variety of indices and the federal reserve. Following trends can help you identify the best times to invest as well as the best time to get your home loan. Rates vary between lenders and also states… An interest only mortgage does exactly as the name implies. Your monthly payments are lower but you do not build equity in your home. This arrangement can be desirable for a variety of reasons, in particular if you do not intend to stay in your home long…

Mortgage payment calculator outputs can help you estimate the cost of your monthly payments on a new home loan. If you decide to print an entire amortization table you can also factor in extra monthly payments and see how they save you in interest costs…

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