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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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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.

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.

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.


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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 home mortgages has been a top lending activity because it allows you a second chance to get the mortgage you want in new market conditions. Either because lower rates are available or your credit has improved and you can get a superior loan… Refinancing your home starts with shopping around for the best rate you can get given your income, credit history, and desires for your loan. Expo Financial supplies as many as four free quotes with one simple form… At the time of this writing the prime interest rate is right about 4%. The prime interest rate responds to changes in the money supply as well as the overall demand for credit in the business sector…
Mortgage refinancing is simply replacing one loan with another. It is an opportunity to lower rate and also to switch between fixed rate and adjustable rate mortgages as well as to switch between 15 and 30 year loan terms… 2nd mortgages are mortgages for current homeowners to take out for up to 125% the value of their current home. Taking advantage of existing equity in your home can get you a lower interest rate…

Buy a home now and get locked in at a great rate. Our application will set you up with as many as four loan quotes with one short form…

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