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Refinance Archives

Do You Refinance Your Mortgage Now? Here's How to Know
By: Jeff Brown
NEW YORK (sbup) — Much to the experts' surprise, the United States may be on the verge of another refinancing boom. The average rate on the 30-year fixed mortgage has fallen to 3.9%, down from 4.5% last spring. Read more»
Low Rates Equal More Equity
By: Jeff Brown
NEW YORK (sbup) — When it comes to mortgages, everyone knows a low rate is better than a high one, because the interest charges are smaller. But there’s another benefit that’s often overlooked: A lower rate helps you build home equity faster. Read more»
How Do You Know: Refinance or Prepay?
By: Jeff Brown
NEW YORK (sbup) — The rise in interest rates since spring has taken the oomph out of the refinancing craze, because a homeowner replacing a 6% loan won’t save as much if the new one charges 4.5% instead of the 3.5% available last May.  Still, refinancing can pay if you’ll keep the mortgage long enough, so it’s worth running the numbers Read more»
A Last Chance to Refinance?
By: Jeff Brown
NEW YORK (sbup) — For years, the mortgage industry has been living off refinancings, which have often accounted for more than 70% of mortgage applications. Now the refi rage is fading, as rising rates make it harder to save money by replacing an old loan with a new one. Read more»
Too Many Refinance the Wrong Way
By: Jeff Brown
NEW YORK (sbup) — Thousands upon thousands of homeowners are trimming their mortgage payments by refinancing to today’s rock-bottom rates, but about a third of them are still missing out on the best possible deal. Read more»
Refinancing: Uncertain Factors are Key
By: Jeff Brown
NEW YORK (MainStreet) —With mortgage rates setting record lows, refinancing has an obvious appeal to any homeowner who passed up earlier opportunities. Read more»
Don't Wait for a Principal Reduction on Your Home
By: Jeff Brown
NEW YORK (MainStreet) -- For underwater homeowners and many who want to help them, there is a Holy Grail: principal reduction. But now, four years after the housing market started to collapse it may be time for a reality check. For most troubled borrowers, principal reduction is a remedy that may never happen. Read more»
With Rates This Low, Should You Refinance Again?
By: Brian O'Connell
NEW YORK (sbup) – When it comes to mortgage rates, homeowners have been watching just how low they can go and reacting accordingly to historically rock-bottom interest rates. Read more»
New Mortgage Calculator More Accurately Predicts If You Qualify
By: Jeff Brown
NEW YORK (MainStreet) – Homeowners of the past would drool over today’s low mortgage rates, with the 30-year fixed-rate loan averaging a mere 4.2%.  But there’s a catch: Qualifying for a loan was pretty easy in the old, pre-crisis days; thes Read more»
Gov't Housing Program Offers Little Relief, Report Says
By: Brian O'Connell
NEW YORK (sbup) — Housing reform advocates have spent plenty of time and energy criticizing the federal government’s mortgage-relief efforts during the past few years, focused mainly on the government’s signature housing relief program, the Home Affordable Modification Program (HAMP). Read more»
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