Mortgage Refinansing Help    

Mortgage Refinancing Help

Mortgage Refinancing Help

If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends.

 

 
           
Mortgage Refinancing Help : Business: Financial Services: Mortgages: Regional : United States (711)

 

 

 

Mortgage Refinancing TipIf you have equity built up in your home, and you need cash, you have two choices: get a home equity loan or utilize cash-out refinancing. Each has its pros and cons, so be sure to evaluate your situation carefully prior to making a decision.



Mortgage Refinancing Help: United States ()

See also:


 
Mortgage Trust Group Inc.Mortgage Trust Group Inc. »
Mortgage broker providing loans in MA, CT, ME, NH, VT, FL and AZ.
 
PHHMortgage.comPHHMortgage.com »
Retail mortgage originator offering full range of residential financing programs.
 
First American MortgageFirst American Mortgage »
Full service mortgage broker, licensed in Pennsylvania and New Jersey, offering financing programs for home owners and home buyers.
 
Mortgage4Homes.comMortgage4Homes.com »
Provides home mortgage, refinance, home improvement loans.
 
FHA TodayFHA Today »
Mortgage lender offers FHA financing and refinancing for home buyers nationwide.
 
MortgageITMortgageIT »
Provides complete mortgage services in many states throughout the nation.
 
First Centennial MortgageFirst Centennial Mortgage »
Provides residential mortgage financing in 37 states.
 
Prosperity MortgageProsperity Mortgage »
Provides residential mortgages and finance services in the mid-Atlantic region.
 
Ziegler and CompanyZiegler and Company »
Provides long-term financing for churches and private schools nationwide. Includes team profiles, company history, description of services and locations.
 
Alliance Mortgage, Inc.Alliance Mortgage, Inc. »
National online mortgage broker specializes in low cost loans and refinancing for people with every type of credit.
 
Ernst Financial ServicesErnst Financial Services »
Providing for all types of real estate loans, refinancing, first and second mortgages. Serving all 50 states.
 
AFC MortgageAFC Mortgage »
Provides investment, primary residence and second homes loans in Alabama, Mississippi and Florida. Features products, market trends, online application.
 
Virtue Mortgage, Inc.Virtue Mortgage, Inc. »
Specializes in commercial and residential loans as well as private and hard money financing. Features types of funding and programs available. Located in Mesa, AZ.
 
Home Loan and Investment, FSBHome Loan and Investment, FSB »
A regulated federal savings bank, was one of the pioneers of the non-conforming mortgages.
 
The Credit Union Home Loan Center, LLCThe Credit Union Home Loan Center, LLC »
Offers to members of any credit union in the U.S.A. home mortgages.
 
World Wide Credit CorporationWorld Wide Credit Corporation »
Family owned lending institution licensed in multiple states and specializing in residential financing. Features loan programs, company overview, employment opportunities. Based in San Diego, CA.
 
MortgageEase.comMortgageEase.com »
Full service Lender providing home mortgage refinance loan services in Colorado, Connecticut, Delaware, Florida, Georgia, Maryland, Virginia, Washington DC and Massachusetts.
 
Hartford Funding Ltd.Hartford Funding Ltd. »
Direct lender based in New York and licensed in New York and Connecticut.
 
Mortgage Investors CorporationMortgage Investors Corporation »
Providing VA and FHA refinance and streamline loan services in 42 states.
 
Arizona Wholesale MortgageArizona Wholesale Mortgage »
Full service mortgage company providing loans in Arizona, Colorado, New Mexico, Wyoming, Montana, and Iowa.
 
Hard Money Funding, Inc.Hard Money Funding, Inc. »
Offers a national database and source for hard money funding throughout the nation. Features company overview plus information on programs for borrowers, brokers and lenders.
 
MortgageCafeMortgageCafe »
Provides the ability to review products and services from the best lenders, with quick access to current lender information.
 
Re-MortgagerRe-Mortgager »
Providing refinance of mortgage.
 
Lending ExpoLending Expo »
A nationwide network of reputable lenders. Help in finding a lender in your area for mortgages and refinancing at competitive rates.
 
Home Lending TexasHome Lending Texas »
Home mortgage lending for purchase, refinance and home equity.
 
American Home Equity LoansAmerican Home Equity Loans »
Direct lender offrees refinance programs for consolidating debts. Locations in Irvine, CA and Oklahoma City, OK.
 
American Finance House LARIBAAmerican Finance House LARIBA »
Offers a range of financial products according to Shariah principles; includes information on interest-free finance. Based in Pasadena, California, US.
 
Access National MortgageAccess National Mortgage »
Nationwide lender. Features loan programs, online application, company overview. Based in Westminster, MD.
 
Alexander Realty Capital, Inc.Alexander Realty Capital, Inc. »
Nationwide commercial lender. Features company profile, downloadable forms, recent projects. Based in Key West, FL.
 
Fast Mortgages USAFast Mortgages USA »
Providing mortgage or refinance loans online. Loan programs for good or bad credit.
 
Adobe Financial CorporationAdobe Financial Corporation »
A full service mortgage broker providing mortgage loans in Arizona, Minnesota and New Mexico.
 
Provident Funding, L.P.Provident Funding, L.P. »
Privately held non-bank owned provides a range of services. Includes online applications.
 
First Horizon Home LoansFirst Horizon Home Loans »
Nationwide provider of mortgages offering products and services such as mortgage calculators, re financing, home equity loans, online mortgage applications, home buying guides and debt consolidation.
 
InterestOnlyLoans.comInterestOnlyLoans.com »
Nationwide database of mortgage professionals specializing in interest only, Jumbo and Super Jumbo Libor Loans.
 
Mortgage Lenders PlusMortgage Lenders Plus »
Nationwide directory of mortgage lenders organized by state.
 
Lenders XchangeLenders Xchange »
Marketplace where home finance lenders across the nation compete for a borrower's business.
 
Neighborhood Financial Services GroupNeighborhood Financial Services Group »
Provides home loans, mortgages and lines of equity.
 
Mortgage OfficeMortgage Office »
Residential mortgages for all types of credit in most parts of the U.S.
 
JKS Mortgage, LLCJKS Mortgage, LLC »
Mortgage broker providing loan programs, online applications and rates to Arizona and California.
 
Fannie MaeFannie Mae »
Provides financing for the multifamily and single-family housing market throughout the nation.
 
DitechDitech »
Offers new purchase and home equity loans plus refinancing. Includes company profile, FAQs, current rates, calculators.
 
Provident Home LoansProvident Home Loans »
Licensed mortgage broker providing customers with the highest mortgage finance services.
 
Katz Mortgage TeamKatz Mortgage Team »
Lender providing residential mortgages, mortgage re-financing and interest-only real estate investor loans.
 
Mission Hills Mortgage BankersMission Hills Mortgage Bankers »
Direct lender provides residential mortgage financing throughout the nation. Features loan programs, online application, company profile. Headquartered in Santa Ana, CA.
 
River City Mortgage & FinancialRiver City Mortgage & Financial »
Offers financing for a new home or refinancing for an existing home.
 
Sunset MortgageSunset Mortgage »
Providing mortgage service in all states.
 
Baron Mortgage CorporationBaron Mortgage Corporation »
Lender provides real estate financing in Alaska, California, Colorado, Connecticut, Florida, Indiana, Massachusetts, Montana, New Hampshire, South Carolina, Utah and Wyoming.
 
MH Loans CorporationMH Loans Corporation »
Provides nationwide financing of mobile and manufactured homes. Includes company profile, loan information, customer testimonials. Headquarters in Vancouver, WA.
 
Capital Resource MortgageCapital Resource Mortgage »
National mortgage network specializing in home equity and second mortgage loans.
 
ABC LoanABC Loan »
Specializing in discount mortgage services with special programs for teachers.
 
Quicken LoansQuicken Loans »
Online lender offers simplified residential loans and competitive mortgage rates. Headquarters in Livonia, MI.
 
Freddie MacFreddie Mac »
A guide to the mortgage industry, products and services, with the latest news.
 
Hartland Mortgage CentersHartland Mortgage Centers »
A direct lender providing full-service mortgage financing to Arizona, Colorado, Iowa, Illinois, Indiana, Missouri, North Carolina and Wisconsin.
 
Nationwide Mortgage ServicesNationwide Mortgage Services »
Mortgage Bankers offering services for Residential mortgages nationwide.
 
EverHome Mortgage CompanyEverHome Mortgage Company »
Offers home financing options in over 40 states, including reverse, government and conventional.
 
MortgageBaseMortgageBase »
Offers residential mortgage rates through wholesale lenders nationwide.
 
America One FinanceAmerica One Finance »
National lender. Features senior staff and company overview. Office locations in Arizona, Illinois and Washington state.
 
Great Eastern InvestmentsGreat Eastern Investments »
Offers financing on commercial properties nationwide. Includes loan programs, company profile, recent closings.
 
Network Mortgage ServicingNetwork Mortgage Servicing »
Specializes in the disposition of financial institutions' real estate owned (REO), including appraisals and broker price opinions. Features services and company profile.
 
Approved Mortgage CorporationApproved Mortgage Corporation »
Residential mortgage lender financing homes in Indiana, Ohio, Kentucky, Missouri and Texas.
 
Newport Capital CorporationNewport Capital Corporation »
Provides residential mortgages financing in Massachusetts and California.
 
GMAC Mortgage CorporationGMAC Mortgage Corporation »
Provides loans, rates and information for first-time and experienced homebuyers. Includes articles and directory of local offices.
 
Home Finance of AmericaHome Finance of America »
Provider of residential lending services nationwide. Includes company overview, client testimonials, details on loan programs, FAQs. Based in Plymouth Meeting, PA.
 
1st Midwest Mortgage Corporation1st Midwest Mortgage Corporation »
Provides Wisconsin, Iowa and Minnesota residents with home mortgage loans including fixed rate, adjustable rate and balloon mortgages.
 
Nationstar MortgageNationstar Mortgage »
Retail non-prime home loan originator. Includes products, process, online application, career opportunities. Headquartered in Dallas, TX.
 
1st Continental Mortgage1st Continental Mortgage »
Assists those in the market to buy commercial and residential property, licensed in 43 states.
 
Atlantis Mortgage Co. Inc.Atlantis Mortgage Co. Inc. »
Licensed Mortgage Bankers in the states of NJ, CT, NC, SC and a Registered Mortgage Broker in the state of NY.
 
Capital Financial GroupCapital Financial Group »
A Mortgage Brokerage Company that provides financing options to meet all your individual needs.
 
Star MortgageStar Mortgage »
Mortgage broker offers mortgage loan products in CO, FL, MA and TX.
 
Pacifica South BancorpPacifica South Bancorp »
Provides owner-builder financing and construction loans for a variety of housing types.
 
Money StoreMoney Store »
Providing loans for home improvement, refinance and debt consolidation.
 
Alexander MortgageAlexander Mortgage »
Independent firm offers lending programs in several states. Features company overview and downloadable forms.
 
Farmer MacFarmer Mac »
Government agency which re-purchases farm, ranch, and rural homeowner mortgages, and is aimed to support agriculture.
 
CitiMortgageCitiMortgage »
Provides residential mortgage financing throughout the United States.

 


 
      


Mortgage Refinancing TipBe Ready. After your loan is approved, you'll need to sign your loan documents and provide a check for any out-of-pocket closing costs. Make sure the funds are available in your account, and be ready to make room in your schedule to read and sign your loan documents as soon as possible.
 

Mortgage Refinancing TipAsk for the reissue rate on your title work. If you've taken a mortgage within the past two years, or are using the same lender, you might be granted this option, which can save you as much as 70 percent on your title work. An editor at this magazine didn't know about this potential savings when he refinanced his mortgage; fortunately his lawyer did. The savings more than covered the attorney's fees. However, if it's been several years since you took out a home loan, or if you're using a new lender, you'll likely have to pay for a new title.
 

Mortgage Refinancing TipThese days most people request a Good Faith Estimate (GFE), but have no clue what to look for on the GFE. Make sure you request a GFE that has ALL fees estimated and disclosed. This includes: origination points, processing, lender, appraisal, title, escrow... ALL FEES... especially the Yield Spread Premium or YSP.
 

Mortgage Refinancing TipMake sure the new title is correct. The fact is, most people never see their deed before it's recorded at the county court house, says Gumbinger. He recommends that you ask the lender if you can review the title to the property before it gets filed, so that you can make sure it's correct.
 

   

   


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