Refinance Articles

Time to Consider a Cash-in Refinance?

By:
Kirk Haverkamp - MortgageLoan.com | 02/09/2010 - 5:26am

Here’s something you may not have considered if you’re looking to refinance your mortgage – a cash-in refinance.

Time Running Out on "Underwater" Refinance

By:
Kirk Haverkamp - MortgageLoan.com | 01/12/2010 - 5:06am

Owe more on your mortgage than your home is worth? “Underwater” borrowers have an opportunity to refinance their mortgage, but you need to act soon before the program expires.

Mortgage Refinance Options

By:
Kirk Haverkamp - MortgageLoan.com | 01/08/2010 - 5:54am

When refinancing a mortgage, many borrowers focus exclusively on getting a lower interest rate. But interest rates are only part of the picture – there are many other options to consider as well.

Are There Any Downsides to Refinancing Your Mortgage?

By:
Kirk Haverkamp - MortgageLoan.com | 12/17/2009 - 5:59am

There are a lot of advantages to refinancing your mortgage. But what about the downsides? Are there any disadvantages borrowers need to be aware of before taking out that new loan?

How Soon Can Your Refinance Your Current Mortgage?

By:
Kirk Haverkamp - MortgageLoan.com | 12/05/2009 - 2:23am

How soon can you refinance your mortgage after taking out your existing loan? With interest rates scraping along at historic lows right now, it’s a question many homeowners who bought or refinanced in the last couple years are asking themselves.

Consider Repayment Schedule When Refinacing a Mortgage

By:
Kirk Haverkamp - MortgageLoan.com | 11/25/2009 - 3:35am

Looking to save money on your mortgage by refinancing? While the interest rate is the main thing people focus on, the mortgage term – how long it takes to pay off the loan – is an often-overlooked factor that can provide major savings over either the short- or long-term when refinancing a mortgage.

Rules Changing for FHA Streamline Mortgage Refinance

By:
Kirk Haverkamp - MortgageLoan.com | 11/12/2009 - 4:01am

What has been one of the easiest and most foolproof ways to refinance a mortgage is about to get a bit tougher. New rules for the FHA Streamline refinance take effect Nov. 17, meaning approval will no longer be practically guaranteed for borrowers with FHA mortgages.

Refinancing Your Mortgage When You're Underwater on Your Loan

By:
Kirk Haverkamp - MortgageLoan.com | 11/06/2009 - 6:49am

With the steep drops in home values in recent years, many homeowners who would like to refinance their mortgage to take advantage of the dirt cheap interest rates now available have been unable to do so, because they owe more than their property is worth. But now they have an option.

Figuring Out if You Should Refinace Your Mortgage

By:
Kirk Haverkamp - MortgageLoan.com | 10/31/2009 - 1:14am

It's not a question with a simple answer. Whether or not refinancing makes sense for you will depend on the type of loan you have, the interest rate you're paying, your credit score, how much equity you have in the home and a variety of other factors. And some of these will determine whether you're even able to refinance in the first place.

Calculating How Much Your Home Is Worth

By:
Kirk Haverkamp - MortgageLoan.com | 10/15/2009 - 12:43am

How much is your home worth these days? The nationwide decline in home values over the past three years has many people worried about how far "underwater" they might be on their own mortgages, i.e., whether they owe more than their home is worth. It's a particular concern for anyone who's thinking about refinancing their mortgage, but just about anyone with a mortgage is probably concerned as well.

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