Mortgage Refinance Information

Secured Loans ? Making the Most of Your Home as Collateral


My visit to the lender was interrupted with my wife demanding a reason for my preference for secured loans. Though I hushed up the matter then, it kept on ringing in my mind hours later. Actually, I didn?t know of options other than the secured loans that are available. The various instances of people that have lost their homes to lenders that she used to supplement her contention refused to leave my thoughts.

Mortgage Terminology for the First Time Home Buyer


Buying a Home for the first time can be a little ?nerve racking?. Mortgage terminology that brokers use everyday can leave you scratching your head or shaking your head pretending that you know what they?re talking about. Here are some mortgage terms and definitions that you?ll be hearing when shopping for a first time home buyer loan:

Why You Should Not Get Hung Up on the Interest Rates!!


This is what a mortgage can do for you!

Life of an Escrow


Escrow is one of the last stages in the purchase or sale of a real property. When someone says that they are in escrow, it means that they have either accepted an offer on the sale of their property, or their offer to purchase has been accepted. The offer to purchase agreement is the instrument that is first signed by all parties before they ?go to escrow?.

Construction Loan Basics


It might not be too big of an exaggeration to say that the construction loan is one of the more daunting aspects of building your custom home. Before we started our project, I had nightmares about trying to pay two full mortgages at the same time (our existing mortgage and the construction loan), and I didn't see how it was at all possible. However, the reality ended up much more reasonable than I dared hope.

Keep Your Eye Focused on Treasury Bond Rates To Adjust Your Current Mortgage Rates


Mortgage rates typically are based off the current rates of treasury bonds. Most lenders set their long term mortgage rates in line with 10 and 30-year treasury rates. The reason that they do this is quite simple. Treasury rates are the rates that are used as an index to represent what the future value of money will be by the secondary market and investors. The Federal Reserve Bank will issue these bonds along with an interest rate that it will pay to holder of the bond once it matures. The market, in reflecting economic and inflationary predictions, adjusts the yields. Mortgage rates are then set according to the yields. If the market expects that thing in the future are going to be good with low inflation then the mortgage rates will be lower. If the market forecasts higher inflation then the mortgage interest rates will also rise.

Seller Financing


Although any loan used for buying real estate is strictly called a purchase money mortgage, the term is often employed for seller financing, those transactions in which you "take back" a mortgage as part of the purchase price. These arrangements are suitable, of course, only when you do not need your proceeds immediately toward the purchase of another home.

Mortgage Marketing


W. Edwards Deming said ?Marketing and innovation are the only source of value in business, everything else is a cost?. And he was right.

Bad Credit Home Financing - Buy a House Even With Poor Credit


Sub prime lenders come in two groups: reasonable and unreasonable. Reasonable sub prime lenders offer mortgage financing to high risk borrowers with slightly increased rates and fees. Unreasonable sub prime lenders charge several extra points and excessively high fees. Only through comparative shopping can you know if a particular lender is offering reasonable or unreasonable rates.

High Risk Mortgage Lenders - Using a Sub Prime Lender Online


Sub prime lenders handle high risk mortgage loans that traditional lenders refuse to touch. Through slightly higher interest rates, sub prime lenders protect themselves from the higher rates of foreclosures. With sub prime lenders online, you can easily compare rates to find reasonable financing for your mortgage.

Refinance Your Property Online


By refinancing your property online you can take advantage of competitive rates in the convenience of your home. You should consider refinancing your property if interest rates are lower, your financial situation has improved, or your credit rating has improved. Once you are ready to refinance, search for lenders? rates online for easy comparison shopping.

Home Loans For People With Bad Credit - Tips To Getting Approved Online


Buying a home with bad credit doesn?t have to stop you from finding an affordable lender. By shopping online for a lender you can find the best lending rates for your situation. The following search tips will help you get started.

Poor Credit Home Equity Loan Tips


A home equity loan can help repair your poor credit history. Begin by finding a competitive financing lender with affordable rates and terms. Next, work toward establishing a solid credit history, enabling you to lower your interest rates on future loans.

Reverse Mortgage Providing Peace of Mind Without Sacrificing Safety or Security


For many seniors one of their greatest sources of security is their home. It not only provides a comfortable and familiar environment, but it provides a sense of independence and a source of many fond memories. The equity in that home represents a financial nest egg and a legacy for them to pass on to their family. With the ever-increasing cost of maintaining a home, along with the overall rise in the cost of healthcare, finding the resources to live out ones life at home is becoming a growing challenge.

Buy a Home With a Government Grant? Avoid this Scam


If you watch enough late night television, you?ll see advertisements that suggest that the Federal Government is giving all kinds of things away. You?ll see ads for auctions that promise that you can buy a Ferrari for $500 or a home for $1000 through ?government liquidations? or some such thing. You?ll also see ads that promise to tell you how you can get money for free to purchase a home. Is this for real? Will Washington provide you with money to purchase a home?

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Mortgage Refinance Sources 2005