What are the Benefits and Drawbacks to Refinancing Mortgage Rate?
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Benefits and Drawbacks of Refinancing to a New Home Loan
A refinance mortgage loan is a mortgage loan that replaces the mortgage you already have on your property. There are lots of benefits to a refinance loan that you need to consider. You will usually refinance your home loan because interest rates have fallen or you know that they will fall and you can get into a lower rate home loan.
There is a long application when you refinance your mortgage loan that is very similar to the one you have to go through for your original home loan. You need to careully consider if you are willing to go through all these loopholes.
You have a lengthy application for refinancing your mortgage so you have to carefully decide if you really want to go through everything (and all the costs) associated with a mortgage refinance.
What are the benefits of a mortgage refinance?
You can save lots of money. If you have a high interest loan and the interest rates have fallen it may be time to refinance. You can save almost 0 dollars a year by refinancing from a mortgage loan with an interest rate of 6% to 5.5% and a mortgage term of 30 years.
Getting out of a loan with unfavorable terms. You may have gotten into any loan you could have and realized it doesn’t work, or you may have an Adjustable Rate Mortgage and the interest rates are rising.
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If you want a lower monthly payment to save money for other expenses or to open a business you can refinance into a new mortgage loan with a longer term.
If you want to gain equity faster you can refinance your home loan into a shorter term mortgage.
You can raise funds to make home improvements, take a trip or buy a new car.
You have improved your credit score. If you have a poor credit score you had to sign a loan with very unfavorable terms. If you have worked hard to improve your credit score over time you should consider refinancing and see if you can get a loan with much more favorable terms.
There are drawbacks to a mortgage refinance loan so you need to consider them when making your decision if a mortgage refinance is right for you.
What are the drawbacks of a mortgage refinance?
You will lose the seniority of your mortgage. As your mortgage ages, more and more of your monthly payment is applied to building equity; at the beginning of your mortgage, your mortgage payments are paying off interest and not building you as much equity. If you refinance your mortgage you will lose any seniority years you gained towards your mortgage payment going to building equity and not paying off interest, and you will have to start all over again, with more of your payment going towards interest and not equity.
If you’ve had a mortgage for a long time, you should probably not refinance your home’s mortgage loan. As your mortgage ages more and more of your payment goes towards building equity in your property. If you refinance you will start all over again with your mortgage loan and more of your payment will go towards paying interest again.
The costs and headaches of refinancing a mortgage may not outweigh the savings you will achieve if you know or think you may be moving in the next few years.
You may have to pay fees and penalties to cancel your existing mortgage loan. *
If after weighing all the benefits and drawbacks to a mortgage loan refinancing option you decide a mortgage refinance is for you then please visit us for more information.
* If you are refinancing your mortgage loan to a new loan with the same lender, you may be able to get them to eliminate or at least reduce any of these penalty fees.
Categories: Loan Refinance Tags: Benefits, drawbacks, Mortgage, Rate, Refinancing
What government programs are available to refinance if your loan is NOT owned by freddie mac or fannie mae?
Question by jlynn: What government programs are available to refinance if your loan is NOT owned by freddie mac or fannie mae?
We are upside down in our mortgage by about 25,000.We have an adjustable rate which is locked for one more year.We would like to refinance into a fixed rate but cant because of the equity. Are there any govt programs that can help if you dont have fannie mae or freddie mac.All payment are current and i dont want to not pay in order to refinance.
Best answer:
Answer by Doctor Deth
I don’t think there is anything available with that much negative equity – you’ll have a hard enough time finding an affordable fixed rate next yr with the neg equity
Add your own answer in the comments!
Categories: Loan Refinance Tags: Available, Fannie, Freddie, Government, Loan, owned, programs, Refinance
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Categories: Loan Refinance Tags: Consolidation, credit, Debt, Loan
Where to Find Yourself Access to the Obama Refinance Program
Are you thinking about a new mortgage loan? Many homeowners are going about refinancing their mortgages for better terms and lower monthly mortgage payments even if they don’t necessarily qualify for a lower interest rate on the refinance mortgage rates. Choosing the best mortgage financial lender is going to be one of the most important aspects of mortgage refinance loans. Here are several tips to help you find the best mortgage refinancing lender for your unique financial situation that can enable you to get the best refinance mortgage rates.
Mortgage Refinancing – Comparing Mortgage Lenders
Don’t rule out your existing financial lender when you begin to start shopping around for a new mortgage. Sometimes when you go about contacting your current financial lender and let them know of your intentions for mortgage refinancing through the Obama refinance program, they will be capable of making some adjustments to your current home loan such as lowering the interest rate in order to be capable of keeping your business. Your current financial lender is just one avenue to explore; comparison shopping with a variety of different mortgage companies and brokers will help you find the most competitive refinance mortgage rates.
Mortgage Refinancing – Comparing the Loan Offers
When mortgage refinancing through the Obama refinance plan it is critical for you to be capable of comparing all the different aspects of the loans that you are considering. Some homeowners will just automatically assume that choosing the mortgage that has the lowest interest rate or monthly mortgage payments means they are getting themselves the best possible deal; however, focusing solely on interest rates alone can often end up leading to overpaying other fees. Carefully compare the refinance mortgage rates, term length, points, origination fees, and closing costs before choosing a mortgage financial lender.
Mortgage Refinancing – Watching Out For Bad Lenders
When you begin to comparison shop a variety of different financial lenders the ones with unusually high rates and fees are going to be easy for you to see right away. These are the financial lenders with mortgage refinance loans that are looking to take advantage of those unfortunate homeowners that have not properly done their research and due diligence. By taking out the time for you to properly research mortgage refinancing lenders that specialize in the Obama refinance plan you will be capable of avoiding almost all of the mistakes that these homeowners make.
If you are in the market for a mortgage refinance loan, there are several things you need to know to avoid overpaying. Careful comparison shopping will help you avoid 90% of the mistakes homeowners make when refinancing their mortgage loans. Here are several tips to help get you started with mortgage refinance rates.
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Home Page > Finance > Debt Consolidation > Adverse Credibility No Hurdle For Bad Credit Debt Consolidation Loans
Adverse Credibility No Hurdle For Bad Credit Debt Consolidation Loans
Posted: Jul 04, 2006 |Comments: 0
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There is increasing number of borrowers who have a pile-up of debts and to complicate the matter they are labeled as bad credit also. That means relief from debts becomes all the more a tough task. These people need not to loose heart anymore. Bad credit debt consolidation loans are particularly made suitable for them keeping their financial background in consideration. On taking bad credit debt consolidation loans, the borrowers revitalize themselves. The loan is available hassle free and on easier terms and conditions provided borrowers take care of its key aspects.
Bad credit happens to a borrower when he fails to clear loans in time and have to face cases of payment default or County Court Judgments. This is reflected in the credit score of the borrowers. A bad credit score on FICCO scale is 580 or below in a scale ranging from 300 to 850. Credit score of 720 and above is considered as safe and sound for offering loan. So, before you ask for bad credit debt consolidation loans, you better check your credit score. If it is on negative territory, make some improvements in it. Have your credit report made error free by an expert. Pay off those easy debts to enhance credit score. The improvements not only increase your credit score but more than that impresses the lenders that you are serious towards clearing debts. Don’t forget a better credit score may be useful in availing the loan at better terms and conditions.
Debt consolidation is all about bring your various loans taken from different lenders under one lender so that a new loan availed at lower interest rate can be used in clearing debts of higher interest rate immediately. Bad credit debt consolidation loans are availed in secured and unsecured options.
To take secured bad credit debt consolidation loans, borrowers should offer collateral in the form of any property such as home, vehicle, jewelry etc to provide loan security to the lender. With the loan well secured, lenders do not take serious note of bad credit and even ready to offer greater amount of loan depending upon the higher equity in the collateral. When secured, the loan can be availed at lower interest rate. The repayment term also can be larger to the comfort of the borrowers.
In case of no collateral offered or taking unsecured bad credit debt consolidation loans, the borrowers should satisfy the lender with proof of sound income source and good financial position. If the borrowers fail to provide the proof then the loan amount may be smaller and interest rate also may be higher. To these people lenders give a shorter repayment term. However, if borrowers search for the suitable loan package and compare for the lower interest rate, they can take a cheaper loan as per their budget. So, it is advised to apply online for bad credit debt consolidation loans.
If availed properly bad credit debt consolidation loans enable you to regain financial health.
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Alex Jonnes is associated with Easy Debt Consolidations. He is Masters in Business Administration and writes on various finance related topics. To find Debt consolidation loan, bad credit loans, bad credit debt consolidation loan, bad credit fast debt consolidation loans visit http://www.easy-debt-consolidations.co.uk
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I am 62 years old ,retired and a home owner with home owners insurane. Can I apply for a reverse mortgage loan or any other debt consolidation loan
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Categories: Loan Refinance Tags: Adverse, Consolidation, Credibility, credit, Debt, Hurdle, Loans
The Growth Spurt of FHA Streamline Refinance
The Growth Spurt of FHA Streamline Refinance
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Home Page > Finance > Real Estate > The Growth Spurt of FHA Streamline Refinance
The Growth Spurt of FHA Streamline Refinance
Posted: Jul 15, 2010 |Comments: 0
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The Growth Spurt of FHA Streamline Refinance
By Mayer Dallal
In an age when people are looking for convenient, the FHA streamline refinance comes to mind. The streamline refinance with FHA is the easiest and quickest way to do a loan, all with the ease and convenience of no appraisal being done. That’s right; NO appraisal is necessary when doing a streamline with FHA.
What is an FHA Streamline Loan?
To give you a little bit of background on the FHA streamline loan, it first showed up on the scene in the early 1980′s. Since that time, thousands of families have used this as an avenue to a much easier transaction, with less costs and a much lower interest rate. The term “streamline”, simply refers to the level of documentation and underwriting needed for the loan. There are many “no cost” loans running around out there, but this just means that there is less out-of-pocket expense for the homeowner, with a higher interest rate. Other lenders offer the same loan, with costs included in the new loan amount. No matter how much ease is involved, there still must be the right amount of equity in the property in order for you to take advantage of this loan, and the appraisal can’t put you upside down if there is one being done. Don’t get too far into the logistics of the program, before you have first weighed the options on what is best for you and your family with your current financial position. Remember, that a higher interest rate will truly impact your finances, so be future minded when making your decision on this loan.
You can do your streamline refinance with or without an appraisal, but either way it is not required that credit is underwritten. HUD may not disqualify you if you have had late mortgage payments, but the lenders have their own rules and will approach your loan accordingly. In general when it comes to a streamline refinance, you will need to be current on the mortgage. You need at least six months minimum of on-time payments, a minimum fico score of 640, one pay stub to show the ability to repay, one bank statement, and bring one mortgage payment to the closing table, and generally the loan can close in as little as two weeks. Remember, FHA is not the lender, but they do provide guidelines for their programs. Additionally, a new individual can be added to the title, and this is a common occurrence for someone who may have owned the home prior but has married since and needs to add their new spouse. Deleting someone from the title may require additional qualifications as well.
The Basics of the FHA Streamline Refinance
Those who may have a non-FHA loan that is delinquent, and would like to refinance into an FHA secured mortgage, must fully qualify for the rate and term refinance. Once you go from and FHA loan to another FHA loan, you are then eligible to take advantage of the FHA streamline refinance program.
So, just to recap:
The current mortgage must be FHA insured, and the mortgage must be current.
The borrower must have a minimum fico score of 640.
The refinance must lower your principal and interest payment.
The borrower cannot receive cash out of more than $500.
The borrower must bring one pay stub to show the ability to repay, but nothing is done with the paystub.
Any second liens can remain in place, as long as they are still subordinate to the first.
The term of the new loan must be the lesser of 30 years, or the unexpired term of the mortgage plus 12 years. You cannot go from a15 year loan to a 30 year loan.
An appraisal is not required unless the closing costs are included into the loan, and the appraisal cannot put the borrower upside down. Those streamline refinances without an appraisal, are limited to the unpaid principal balance, minus any refund credit of the mortgage insurance premium, plus the new upfront MIP if it is to be financed into the mortgage/
No termite report is required.
The borrower must have a minimum of 6 months of pay history.
The borrower will need to provide one bank statement, and one mortgage payment to the closing table.
Lastly, the borrower cannot be late or delinquent on any federal debt.
These are just the basic details, but with FHA the possibilities are endless, not to mention the rates are the lowest they have been in 50 years. The average FHA interest rate is 5.75, and can go as low as 4.5 if you qualify and the rates are available. The rates fluctuate daily with the market, but you can still look at the options with a 15 or a 30 year fixed rate. With as low as the rates are now, you will never need to refinance again. For more information on FHA, and how you can begin the process today, you can visit my website at www.fhaloansnow.net, or you can call me directly at (310) 498-2700.
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As a real estate executive and philanthropist, Mayer Dallal provides valuable counsel to individuals and families dealing with economic uncertainty. The advice Mayer Dallal gives his clients is to have options, to navigate this difficult economy with knowledge and confidence.
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Questions and Answers
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What are signs of a growth spurt ?
What is the current fha loan rate for a 203k loan (not streamlined) or a range if it is not a set number
Is there ANY help for homeowners with an FHA mortgage that are lucky enough to still have their jobs, not late on payments.. but are completely under water with their home values and just want to refi
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Aug 04, 2010
Will a Short Sale Show up on Your Credit?
Short sales are not something that are reported, and that is because they are arranged differently by the bank. The short sale is actually “debt forgiveness”, in the lender’s eyes, therefore the short sale will not show on credit. So, the term “short sale”, will not be on your credit report. However, keep in mind that you’re not completely out of the woods. Your mortgage will certainly show any late pays that you have, and it should appear that your mortgage is paid as agreed, or is settled.
By:
Mayer Dallall
Finance>
Real Estatel
Jul 26, 2010
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