Home Mortgage

Home Mortgage Refinance – YES/NO?

admin — Mon, 19 Jul 2010 08:16:01 +0000

Should I refi now? Living in the same house for 10 years. Refinanced once in 2002. Note currently has 23 years left at 6.375%. First refinance, I lost 2 years of payments and about all the principal put into the note. The clock was reset back to 30 years, and I wound up owning MORE (points added to the loan) than I had when the house was first bought….but the MONTHLY payments were about $100 a month less.

For awhile – until the government tax people got creative, and I lost most of that gain. My taxes went from $900 a year in 2000 to $2000 a year. The note is about $410 principal/interest and about $200 taxes. Should I jump in and refinance to 4.5% now???? I plan on staying in this house for the remaining years I have. I’m 54. Been here for 10, might as well go for the duration.

Its a good little 1200 square footer single level 3/2. Nothing fantastic – nothing terrible. Property value was about $210,000 last year – dropped to about $160K. Owe about $61K on the note as it stands. Do I benefit from a 6.3% to 4.5% refinance?

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The rule is if you can get a 1% reduction on your interest and plan to stay for more than 5 years.
Do not let these bankers screw you over though.
Stick to 15 or 30 year fixed – no arms, balloons, options or fixed for a year or two.
They are hurting for money and will try to sell you this stuff – don’t fall for it.

Before applying for a mortgage, always check your credit reports for free at
annualcreditreport.com
make sure there are no errors, and make sure you don’t have any outstanding balance on your credit card before applying for a mortgage.
Bankrate.com will give you a list of the best mortgage rates going along with the bank names.

At 54 I would strongly go for a 15 year fixed.
You do not want a mortgage upon retirement – that is the single biggest mistake a human being can make financially.
Also, fight with your tax people – ask them to re-appraise your home.
I did it – and they found out my house was overvalued and lowered my taxes.

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Dollar Collapse – Firms Which Underpin Trillions In Home Loans Implode – Bailout Equals Dollar Destruction

admin — Wed, 04 Aug 2010 08:01:00 +0000

Peter Schiff sees socialization of United States bubble economy will sink the Federal Reserve Note.

US mortgage giants Fannie Mae and Freddie Mac are facing growing pressure as fears intensify about a potential calamity at the firms, which underpin trillions of dollars in home loans.

Together they own or guarantee some US$5.2 trillion in loans, or about 40 per cent of the total value of home loans in the United States.

Peter Schiff at Euro Pacific Capital said the two giants were likely to need government bailouts in view of the “dubious quality of their mortgage portfolios”.

“Together both firms have less than US$90 billion in capital reserves to ensure losses on more than US$5 trillion in mortgage debt … Clearly, Fannie and Freddie would have no ability to survive without a government bailout. This means that taxpayers will be on the hook for hundreds of billions of losses, perhaps even more than one trillion.”

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Mortgage Rates at Record Lows

admin — Wed, 04 Aug 2010 08:00:54 +0000

Home mortgage interest rates are at fifty-year lows, but prospective mortgagers face stiffer review from banks, reports CBS News’ Anthony Mason.

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Technorati Tags: bank, cbsepisode, economy, Fed, forclosure, home, house, interest, loan, mortgage, recession, SEC

Home Mortgage HQ

admin — Wed, 04 Aug 2010 08:00:49 +0000

http://www.homemortgage-hq.com/
home mortgage,
mortgage refinancing, mortgage loans
mortgage rates,
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Technorati Tags: home mortgage, mortgage calculator, mortgage refinancing

Home Mortgage Calculator – Vertex42

admin — Wed, 04 Aug 2010 08:00:47 +0000

http://www.kanjoh.com

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Home mortgage rates

admin — Wed, 04 Aug 2010 08:00:44 +0000

http://www.lendinguniverse.com provides home mortgage rates for all types of real estate loans and all of your lending needs in California Florida and all other states. Connect with http://www.mortgagecalculator-loan.com for residential commercial and land loans also Mobile Home, Construction Loan, Notary, Refinancing and best interest rate, bad credit mortgage solution. Simply complete our simple form and we will deliver you fast, accurate multiple results. We are neither a lenders nor a broker we give borrower tools to find and track all the negotiations. Lenders compete- You decide. Here is partial list of Calculators the site does a lot more: mortgage rates fed interest rate current mortgage rates federal interest rate historical libor interest rates interest rates today’s mortgage rates lowest mortgage rates mortgage interest rates federal reserve interest rates what is the prime interest rate prime interest rate what is the current fed interest rate mortgage rates predictions what is the libor interest rate compare mortgage rates current prime interest rate wells fargo mortgage rates interest rate calculator mortgage interest rates in maine home mortgage rates current mortgage interest rates best mortgage rates how are mortgage rates determined todays mortgage rates refinance mortgage rates

Here is partial list of Calculators the site does a lot more:
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Duration : 0:0:38

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Mortgages, Home Equity Loans, Refinance, Rates, Mortgage Calculator and More

admin — Wed, 04 Aug 2010 08:00:40 +0000

Information about mortgages, mortgage rates, home refinancing, home equity loans and many other mortgage related topics.

Duration : 0:1:11

Technorati Tags: CalculatorMortgage, equity, LoansHome, LoansRefinance, MortgagesMortgage, RatesMortgage, RefinancingMortgage

Home Loans, Mortgage Loans, Refinance Online Personal Loans, No Fax Cash Loans Commercial

admin — Wed, 04 Aug 2010 08:00:37 +0000

Some OF The Loans We Offer
PERSONAL LOANS Unsecured Personal Loan – Supreme Advances can help make your dreams a reality with an unsecured personal loan. Whether your plans include a vacation, a major purchase, school or consolidating your bills into one, simple monthly payment – we can tailor a unsecured personal loan to fit you and your budget! Applying is quick and easy and you can usually expect to have an answer in 24 hours or less. (Home ownership NOT required) Secured Personal Loan – Supreme Advances has been serving the needs of people just like you for over 7 years. Working together, we can help you pay off your credit cards, take care of unexpected expenses, pay tuition, buy furniture or take a well-deserved vacation with a secured personal loan. Your secured personal loan application will receive our immediate attention and a quick response! (Home ownership NOT required) Personal Line of Credit – Lines of credit are normally secured with real property, a line of credit gives you convenient access to a pre-established credit limit – when you need it most! Once approved, you can access this revolving line of credit simply by writing a check for up to your pre-approved, available credit limit. As you make payments to reduce outstanding balance, the amount again becomes available to borrow. (Home ownership NOT required) Signature Loans – We know in today’s world, credit is a necessity! You may be planning to make a major purchase, but might not want to obtain a secured loan or use your credit card. What you’d really like is the convenience of a non-revolving, signature loan.(Home ownership NOT required) to learn more about this life changing offer please visit our website at PrivateFastLoans.com

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Online Auto Loan,Auto Loan Refinance Calculator,Bad Credit Auto Loan,Auto Loan Insurance

admin — Wed, 04 Aug 2010 08:00:34 +0000

http://autoloans1.info

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Duration : 0:0:56

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Refinance Mortgage Information

admin — Wed, 04 Aug 2010 08:00:15 +0000

(Best Syndication) This video will explore the option of refinancing a loan as opposed to taking out a second mortgage. When you refinance a mortgage you are taking out a secured loan that will replace your existing mortgage. As the numbers of foreclosures increase around the country, it is important to consider all of your options.

But why refinance as opposed to taking out that second loan? The first consideration is the interest rate. If a homeowner has been making their payments on an adjustable rate mortgage that has reset to a higher rate, they may be better off applying for a refinance mortgage. Depending on the credit history, a fixed rate mortgage may be available.

Duration : 0:3:27

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