Crystal Mate asked:


What volume of debt are you carrying right now? If you are like most Canadians, you have debts that exceed your annual net income. Getting a handle on all of this debt can put a lot of strain on today’s households. Home mortgage refinancing is one possible solution to the debt load problem.

Where is All This Debt Coming From?

The rise in debt loads for Canadian families has been widely reported. According to Statistics Canada, the median debt load for Canadian households grew 38% between 1999 and 2005.

A lot of this increase is attributed to higher costs for home purchases and the need to take out a mortgage. But there are other expenses involved. Line of credit debt doubled in the same six-year period, while vehicle loans increased by over 40% and credit card debt jumped 58%.

Households have typically cut back on savings to finance some of their debt, a trend that has some economists worried. With no savings to fall back on and heavy debt loads, an increase in interest rates could be devastating. Most experts advise families with high debts relative to their income to put themselves on a budget, and start saving everywhere they can.

Can Home Mortgage Refinancing Help?

Home mortgage refinancing is not for everyone, but for many people it can make sense.

With home mortgage refinancing, you pay off your existing mortgage to switch to one with a lower rate. Cash-out refinancing enables you to borrow more than you currently owe on your mortgage, giving you some extra money for other expenses, like outstanding debts, home renovations, or university tuition.

There are costs associated with home mortgage refinancing so you should evaluate those closely before deciding to refinance. The fees are the same as the ones you paid for your original mortgage. Depending on the terms of your first mortgage, there might also be a fee for paying it off early.

Is home mortgage refinancing a good strategy? It depends a lot on interest rates, both current market rates and those charged on the debts you have. Refinancing might be the right decision if you want to:

? Save money on your mortgage. If your main concern is lowering your monthly mortgage payments, refinancing might be an option, depending on your circumstances. If you are planning on moving within the next 2-3 years, home mortgage refinancing would not be wise - you’ll be moving before you realize any savings from the lower rate. If you plan to stay, look for a difference of at least 2% between your current mortgage interest rate and the market rate. Typically, anything less than a 2% difference will not save you much. Refinancing to switch between a fixed and variable rate can also save you money.

? Pay off your mortgage sooner. Switching from a long-term to short-term mortgage helps you pay off more of the principal.

? Consolidate debts. Cash-out refinancing can provide you with a loan at a much lower interest rate than the rates charged on your outstanding debts. You can pay off your debts and save a significant amount in interest.

For advice on whether home mortgage refinancing is right for you, consult a mortgage professional.



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Jay Moncliff asked:


ng for your first home mortgage at first might seem like an easy process simply because people buy and sell homes every day. However, buying a home is not like buying a new bike, and applying for a home mortgage can be a long and drawn out process requiring a lot of patience and fortitude. However, if you know what to expect up front the home mortgage process will be much easier and a lot less stressful. The following home mortgage tips will help you figure out how to best go about the home mortgage loan process for your situation.

Home Mortgage tip #1 Interest Rates Before applying for your first home mortgage loan you will want to shop around and see what average home mortgage loan rates are. Shopping for home mortgage rates online is a timesaver and frequently have lower rates as well. Your home mortgage rate will affect how much money you have to pay back over the term of the loan, so the lower the better.

Home Mortgage Tip #2 Fixed or Variable Interest Rate When it comes to your home mortgage loan there are more options than just a loan you pay back over a set amount of years. You can choose different home mortgage interest rates that work best for your current and future situations. So, before you apply for a home mortgage loan do some research on variable and fixed interest rates to find what will work best for you.

Home Mortgage Tip #3 Down Payment When applying for a home mortgage loan for the first time you might not be aware of the general down payment you will be required to make. Many times a home mortgage loan requires between 10 and 20% of the price of the home, but if you have good credit sometimes you can make a lower down payment and still get a good deal on your home mortgage. This depends on the home mortgage lender, so shop around.

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Andrew Mason asked:


If you are considering a second home in a state different from where you are living now, processing your mortgage loan would be easier if you let a nationwide home mortgage loan company finance your home.

It makes sense also if you put your first mortgage with the same nationwide company-otherwise, tracking your payments can get pretty confusing. When at all possible, make sure you make all your payments at the same time, as if you have to do this at different intervals throughout the month, it can become hard to keep up with.

Your second home mortgage application would be approved more speedily if your mortgage company has immediate access to your credit score and financial information. Many borrowers tend to use in-state or local mortgage company.

If you are purchasing a primary residential house, there’s really nothing big to worry about. But if you’re planning to purchase a second home in a different state, you can’t expect your local mortgage company to help you.

This is how using a nationwide home mortgage loan company can be extremely beneficial. The more states your lender covers, the less it would be a hassle for you to get a second home loan in a different state.

When shopping for your mortgage loan, send a select number of companies a copy of your financial and credit. Gather and compare quotes based on the information you’ve sent them.

When considering another mortgage in another state, check the number of states the nationwide home mortgage loan company have offices in. Do they have an office in the state you consider for your second mortgage?

To get quotes the fastest, you can either go to each individual companies site and find their quotes, or you can take the fastest (and smartest route)-going to a site that has different quotes from a bunch of different companies.

There are many companies that will immediately give you quotes from ten or fifteen different companies when you give them your information, and basically work as an online mortgage broker-the only difference is, unlike a physical broker, you don’t have to pay them for this service.

This is a quick and relatively easy way to quickly narrow down which companies have the cheapest quotes, and while the exact price you pay might be a tad different, at least it will show you who to start with. This is a much quicker method than going to each individual site and filling out the same information over and over, as these sites are basically a one stop source for all your mortgage quote needs.

Find out also if you can roll the two home loans into one, and if that would mean lower payments for you. You can call their toll-free number and talk to their representative if you have questions.

With the same mortgage company providing a potential second home loan, you expect that your application would be approved in a shorter time than if you apply at another mortgage company. Apart from selecting a nationwide home mortgage loan company over a local one, it should also be your priority to get the best rate from them.



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Ben Horne asked:


For an overview of both Wells Fargo home mortgages and Chase mortgages to learn more about the services each offer, keep reading.

WELLS FARGO

Wells Fargo is one of the United States’ most versatile mortgage lenders. They offer a range of refinancing products, mortgage programs, types of mortgages and arrangements for borrowers of all stripes and colors.

Home Buying Tools

The Wells Fargo website (http://www.wellsfargo.com/mortgage) is flush with a full guide on the home ownership process - from finding a home to applying for a mortgage, choosing financing and even closing the deal.

For the first-time home buyer or the seasoned real estate pro, their tools are invaluable. Registrants can track home selling prices by email, pick a loan based on personal criteria, calculate the benefits of renting versus buying, and even get pre-approved.

Special Financing Programs

As a versatile and flexible lender, Wells Fargo offers a number of specialty financing programs. They offer special programs for borrowers with less than perfect credit, people building their own homes, military personnel and veterans, and even reverse mortgage programs. They even offer special rates and consideration for Wells Fargo customers.

Better Payment Plan Options

Tired of having your mortgage payment always coming out two days before your pay check gets deposited? With Wells Fargo, you can set up a preferred and personalized payment schedule that makes your payments match your payday schedule.

Personal Support

With hundreds of branch locations, all staffed with local mortgage experts, you’re guaranteed to get ongoing, personalized, quality customer support. That kind of mortgage counseling and personal service isn’t easy to come by.

Not only do they provide ongoing support, but their hours are open until 11pm CT during the week and all-day Saturday.

Renovation and Construction Financing

Along some other lenders, Wells Fargo does offer additional financing for home construction and planned renovations on new properties. Alongside documentation of your project plan, budget, and estimated completed dates will be your loan application for the property.

CHASE MORTGAGE

Chase Bank and its mortgage division are one of the largest mortgage lenders in the United States. By offering home buyer’s guides, loan calculators, and fast closings, they’ve attracted a lot more customers over the past decade.

Reduced Closing Costs

Chase Mortgage offers what it calls its “Closing Cost Advantage.” By not charging commitment fees, appraisal fees, underwriting fees, flood certification fees, credit report fees or origination fees, they promise to save you as much as $200.

Though helpful, however, you must remember there will still be fees and costs associated with your mortgage, including a $395 application fee.

Fast Closing Guarantee

Chase Mortgage promises its customers it will close their house sale on time or they’ll give you $300. Unfortunately, this program - Purchase Promise - is only available on purchase mortgages and not for refinancing loans.

Also, to qualify for the Purchase Promise you need to submit a full loan application with documentation at least 30 days prior to your closing date. You then must meet the underwriting conditions of your loan as quickly as possible.

Finally, you need to sign and date the Purchase Promise form. While the promise is there, actually getting the $300 guarantee is harder than it looks.

Options for Poor Credit

Chase Mortgage offers a number of loans for a variety of home buyers, including those with less-than-perfect credit. According to Chase, if you can prove the financial problem is in the past and behind you, they’re willing to work with you to find the right home loan.

However, that home loan will cost you in interest rate points and closing costs, so be prepared to get a rate that’s a few points higher than the mortgage rate advertised in the paper.

Home Connect Service from Chase

Home Connect is a service offered by Chase that’s designed to make the house selling and buying process a whole lot easier. Their Home Connect service provides homeowners with mortgage prequalification and early financing, a personal assistant, real estate expert guidance, recommendations for real estate professionals, guided service and even cash-back when you buy or sell your home.

The service is free to everyone, while Chase offers bonuses of between $175 and $2500 when you sell your home through the Home Connect service.

Remember, when you decide to put your business with a mortgage lender, you’re basically saying that you’re ready to be this lender’s customer for the next 30 years.

Whether you wind up needing an extra day on a payment, a break on a refinancing deal, or simply quality customer service, is that 30-year relationship really something you want to jeopardize by opting for a mortgage company that doesn’t offer renovation financing, personal support, extended hours, flexible payment plans, varied financing and customized tools?



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Hans Hasselfors asked:


Although this is a pretty straightforward question, how many individuals do you know that ever take the time to ask, and receive an answer? Not very many. More often than not, the question of a home mortgage isn’t pondered until there is a desire to purchase a home. For the purpose of this article, we’re simply going to examine the home mortgage, and the variations that exist in the mortgage market today.

A home mortgage is a loan furnished by lending institution to a buyer for the purpose of procuring residential property, are a home of which to live. It’s that simple, the definition is that simple; the actual process is anything but simple. How do you approach mortgage lenders and what information what you need to furnish?

Mortgage lenders today, thanks to all the federal regulation, default rates, and identity theft in existence require more information than ever before. The mortgage application is sometimes a 10 to 15 page application that will ask questions pertaining to your life years prior. Why does the mortgage company want history? The lender simply needs previous addresses, previous jobs, and previous education to gain greater insight and opportunity to know the borrower. It is not entirely impossible to steal someone’s identity, gain access to their current information, even from three to five years prior. What is impossible is to enter the mind of the individual and gain access to relevant work history or education history. Generally, when you complete a mortgage application there’s also a mortgage application fee charged at the time you submit the application; why do the mortgage lending institutions charge an application fee? Mortgage companies charge a fee because it cost money to process application, and only serious applicant’s warrant the time and expense.

What other information will be necessary to furnish when completing the mortgage application? Generally a personal financial statement, the proposed mortgage amount, and any legal judgments against you such as bankruptcies, tax liens, or federal student loans will be requested at the time of application submission.

Now, what have the mortgage products are available to the mortgage borrower? The most often used mortgage product is the fixed rate mortgage; the next in line would be the adjustable rate mortgage, and the newest member of mortgage products would be the interest only loan. The interest only loan is gaining in popularity at an ever increasing and phenomenal rate of growth. The fixed rate mortgage provides the borrower with a fixed interest rate for a specified number of years, generally 10, 15, or 20 years as a set monthly payment. The adjustable rate mortgage is exactly as it sounds; the interest rate for this type of mortgage is adjusted at set intervals generally no less than six months no more than 12 and the amount of the monthly payment will vary according to the adjusted interest rate. The interest only loan is quite frankly, the least consumer friendly of the three and today the most popular of the three. When you take at an interest only loan, you may payment of only interest for a specified number of months or years on a loan that has been amortized for a greater number of years, usually 20, and at the end of the interest only term, your payments will reflect interest and principal payment. It’s at this juncture that many homeowners cannot afford the interest and principal payment. That’s why this mortgage product is the least consumer friendly; it does however make the most profitable lending institution.

I believe you should now have a much clearer picture as to what a mortgage is, why you complete a mortgage application, and the basic mortgage products available. If you are considering the purchase of a home, please take a moment to visit a local lending institution, a local realtor, and the web site of the Housing and Urban Development Department. You, as a potential homeowner can never obtain too much information.

What are other resources that can be accessed to learn about the mortgage process and your available options? Get online, check out the advertised lending companies there; look at the information they ask for, the products they offer, and then do some comparison shopping. Often, you will learn as much about what you don’t want, as what you do want.



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Gregg Pennington asked:


When you decide you are ready to purchase a home, you are understandably excited. Home ownership is a valuable investment not only in real estate, but also in lifestyle. Along with the benefits that owning a home provides, there are there are also financial responsibilities. There are property taxes to pay, and homeowners insurance to purchase. And since most people, especially new homeowners, do not have the means to purchase a home outright, a mortgage is probably a necessity.

You have a variety of choices when shopping for a home mortgage; there are fixed and adjustable rate mortgages, and different lengths of mortgage loans. If you have poor credit, there are a number of mortgages options that will help you to purchase a home.

Length Of Mortgage - The most common mortgage length is thirty years, but ten and fifteen year loans are also available. The longer the duration of the mortgage, the lower your monthly payments will be, though you will pay out much more money over the length of the mortgage. With a ten or fifteen year mortgage you will be apply more money toward the principal early in the loan, and while your monthly payments will be higher, you will begin to amass equity in your home much more quickly.

Fixed Rate Mortgages - A fixed rate mortgage has the advantage of locking in a certain interest rate for the duration of the loan. This is especially helpful if you purchase a home when mortgage interest rates are low. Your rate will be locked in, and you will be protected against rising interest rates. On the flip side, if interest rates fall further, you will be stuck with that rate unless you refinance your mortgage.

Adjustable Rate Mortgages - Adjustable rate mortgages, commonly called ARM’s, usually offer lower initial interest rates than their fixed rate cousins. The danger of an adjustable rate mortgage is that if interest rates rise, your rate, and therefore your mortgage payment will increase. Fortunately, the rates on ARM’s are capped, having both a periodic rate cap limiting the amount your interest rate can increase at once, and a lifetime cap which limits the amount your rate can rise over the duration of the mortgage.

Many people obtained adjustable rate mortgages during the recent housing boom, betting that mortgage interest rates would fall further or at least hold steady. Many of them had sub prime credit and had no choice but to get an adjustable rate mortgage, and as the housing market slowed, interest rates rose, and mortgage payments grew. As a result, many already cash-strapped homeowners were driven to foreclosure.

Fixed-Period Adjustable Rate Mortgages - A safer alternative is an adjustable rate mortgage which has an initial period where the interest rate is fixed, anywhere from one to ten years. These mortgages are sometimes called hybrid ARM’s. This fixed rate period provides you a buffer against rising mortgage interest rates, and gives you time to build home equity and improve your credit. Hopefully you take advantage of this time and begin to shop for a low fixed rate mortgage.

Sub Prime Mortgages - Sub prime mortgages are designed to meet the needs of potential home buyers who have damaged credit. If you have a record of slow payments on credit accounts, or have a FICO score below 600, you may have to obtain a mortgage from a sub prime lender. Because of your less than perfect credit, you can expect to pay a higher interest rate than someone with immaculate credit. but by shopping around you should be able to find a competitive interest rate, as every lender has its own criteria to determine how much of a credit risk you would be.

Finally, be sure that regardless of the type of mortgage you choose, you will be able to afford the monthly payments. If you get an adjustable rate mortgage, plan ahead and decide what you will do if interest rates rise. Work at improving your credit score, and if you decide later to refinance your mortgage, you will have more and better options.



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anonymous asked:


Getting a house of your own is a lifetime achievement and home mortgage helps you in achieving this milestone much earlier than it would otherwise have been possible. In fact, the first home mortgage is also filled with a lot of emotion. Home mortgage is really something that makes dreams come true.

So let’s start with understanding what a home mortgage actually is?

Home mortgage is something that allows you to buy a house even if you don’t have enough money to pay for it right away. This is made possible by borrowing money from someone and paying it back in monthly installments. The person who lends you money is called the home mortgage lender. The home mortgage lender lends you money for a specific period of time (up to 30 years) during which you are expected to pay back the money in monthly installments. There are certain terms and conditions associated with the home mortgage agreement and these terms and conditions govern the home mortgage throughout its tenure. Among others, the most important thing is the interest rate that the home mortgage lender charges you. Interest charges are the means through which the mortgage lenders earns on this financial transaction called home mortgage. Most home mortgage lenders offer various home mortgage schemes/options. The most important variation in these schemes is in terms of the interest rate and the calculations related to it. In fact, most home mortgage options are named after the type of interest rate used for that option. Broadly speaking, there are 2 types of home mortgage interest rates - FRM (fixed rate mortgage) and ARM (adjustable rate mortgage). For FRM, the interest rate is fixed for the entire tenure of the home mortgage loan. For ARM, as the name suggests, the home mortgage rate changes or adjusts throughout the tenure of the home mortgage. This change or adjustment of mortgage rates is based on a pre-selected financial index like treasury security (and also on the terms and conditions agreed between you and the mortgage lender). That is how mortgage works.

No matter what type of home mortgage you go for, you always need to pay back the entire home mortgage loan (with interest) to the mortgage lender, failing which the mortgage lender can stake claim to your home and even auction it off to recover the dues.

So, home mortgage is a wonderful means of getting into your dream home much earlier in your life. Without this concept, you would have to wait for a long time for getting into that dream home. Really, home mortgage is one of the best concepts from the world of finance.



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Julian Lim asked:


Two of the most important aspects of home mortgage refinancing are the interest rate and the length of the repayment period. These two factors drive the overall cost of the loan you acquire.

When looking at home mortgage refinancing, rates and terms of the loan are critical. The rate is the amount of interest that you will be applied to the unpaid principal during each loan payment period, while the term is the length of time before the loan is paid off. It is important to understand how various combinations of these two factors affect the total cost of your loan. Make certain that you have a complete understanding of not only the monthly payment that will be your obligation, but the cost of the entire loan over the course of the loan.

Definitions

There are some common buzz words associated with obtaining home refinancing. It is important that you understand the meaning of the terms as the loan broker or the lender defines them. If the definition is not standard usage as you understand the term, you may find yourself with some very wrong assumptions about the mortgage documents that you signed. For example, you should at a minimum define adjustable rate mortgage, mortgage term, Option ARM and negative amortization. Be aware of alternative terms used in the documents and be certain that you understand the impact these words and clauses will have on the length and cost of the mortgage loan.

ARM

An adjustable rate mortgage grew in popularity during the 70s and 80s when fixed rate mortgages were climbing sky high. The adjustable rate mortgage allowed more home buyers to qualify for a loan, because the interest rate and thus the initial payment amount was lower. If you select the ARM for your home mortgage refinancing, you will typically pay less for 6 to 24 months after which your rate will increase at a rate tied to some outside index. There may or may not be a cap on how high the adjusted rate can go and how often it can be adjusted.

Fixed Rate

A fixed rate is quite common when searching for home mortgage refinancing. This type of rate benefits those who have a stable income, plan to stay in the same home for at least 3 years, and who need to be able to plan ahead for expenses in the foreseeable future. The fixed mortgage rate is set at the onset of the loan term and does not change during the term. It tends to be somewhat higher than an adjustable rate mortgage since the lender has a slightly higher risk of loss with this type of loan.

Negative Equity

Negative equity loans are more likely to be seen in new home mortgages than in home mortgage refinancing loans, since the concept is relatively new. Essentially, the negative amortization loan adds the unmet portion of interest and principal payments each month to the principal balance. This means that at the end of the grace period which can be only a few months, the borrower ends up owing more in principal than was on the original loan. A few individuals can take advantage of this type of loan but it requires self-discipline and an understanding of strict budgeting.



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Jim Donaldson asked:


If you are one of the lucky people now looking for a second home in the mountains or at the beach, it makes sense to use a nationwide home mortgage and put both your mortgages with the same company.

The approval process is faster as the nationwide mortgage company already has all your information and also the credit score lookup is only done by one company. A lot of people make the mistake of using a local in state company for their mortgage needs, this is no problem for their primary residents but for a second home the problems becomes that the mortgage company can normally not help you when your second home is located in another state.

Here it is important to use a mortgage company that will do nationwide mortgages and home loans. As a general rule the more states your mortgage company has sister companies in the more help they will be to you when you need that new mortgage in a different state. To find the perfect nationwide mortgage company just contact a few of them a get the a paper copy of your most resent credit report they should be able to give you a fair quote based on that. This way you don’t have 3 different mortgage companies pulling your credit because this will damage your credit score. When looking for a second mortgage in a different state you need to look at the mortgage company you are dealing with look at how many states they have offices and look to see that they can supply you with a mortgage in the state of your need house.

The second thing you want to look at is the mortgage rate the company can offer you. Let the mortgage companies compete against each other for a better rate for you and a lower payment each month. Also keep in mind that you now will have two mortgages with the same company maybe it makes sense to combine the two mortgages into one and that will give you lower payments. You can in most cases apply for the loan online or call the company 1-800 number an talk to a representative. This will give you the most answers and the representative can guide you though the process.

Just remember to get competing quotes and let the representative know that you are getting quotes from 3 different other mortgage companies this will sometimes make them sharpen the pencil a bit on your mortgage rate.

So for a second home mortgage in another state it is important to find a nationwide mortgage company that can take care of both your mortgages. Never get two mortgages by two different mortgage companies you will end up loosing money doing that. Also when getting a second mortgage remember to get quotes from at least 3 different nationwide mortgage companies to check the best rate and letting the companies compete against each other.

Getting in contact with a nationwide mortgage company is not as hard as you might think as their business is to attract you to them, you business is getting the best rate from them.



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Rony Walker asked:


After sifting through your monthly bills for the umpteenth time, you crunch all the numbers again. Still, they do not add up! Then, almost like a bad scene from a terrible movie, the past few years flashed through your mind.

You’re 28 once more, and you feel on top of the world after you bought your first house. After that initial success, however, you attracted hard times like a magnet. You failed to get the pay increase you were bucking for. Then, inflation went through the roof, making the purchase of even foods challenging. So, here you are at present, 34 years old and struggling to make ends meet. You’re not only hard up, you have trouble even putting food on the table. Your only option seems to be refinancing your home mortgage loan. Is the best refinance home mortgage loan rate a way out of your money woes? How do you ensure you get the best refinance home mortgage loan rate in the market?

Mortgage Times Two

A mortgage refinance is the act of taking out another mortgage as a replacement of an existing mortgage on a property. This is done for several reasons.

1. To lower the risks from a changeable rate, by switching to a loan with a fixed rate;

2. To increase the term of the loan and to lower monthly payments;

3. To liquidate equity into cash;

4. To lower interest costs with a mortgage interest rate that is lower.

Refinancing includes many of the same costs as a mortgage, such as loan application fees appraisal. Needing to pay these fees early may seem overbearing, but it is worth it. Learn if you will save money in the long run. Check if the extra fees and penalties’ total is lower than the cost of refinancing, to get the best refinance home mortgage loan rate. Keep in mind that online mortgage calculators often fail to consider all mortgage refinancing costs.

Advice Is Advisable

Because of issues such as the variables involving online mortgage calculators, you could get a financial adviser. A financial adviser can help you get the best refinance home mortgage loan rate. Some financial advisers recommend that before homeowners refinance, they should find refinancing that reduces the mortgage rate by at least two percentage points, to achieve the best refinance home mortgage loan rate. Advisers should also be considered when liquidating equity for the purposes of debt consolidation, eliminating debt from credit cards, and huge expenses.

Rate Or Points?

A financial adviser can also help you deal with a common dilemma that homeowners face when considering refinancing. That is, should you look for the best refinance home mortgage loan rate or for more mortgage points? The answer depends greatly on how long you plan to be the homeowner. Learn the length of time needed to earn back the points’ original cost. A mortgage point is one percent of the amount of the loan. For instance, a point on a $100,000 mortgage would be equal to $1,000. If you plan on purchasing the home and living there for the entire time of the mortgage, it is wise to pay the point.

The Loan Length

The most important factor in getting the best refinance home mortgage loan rate is how long the loan will be. But keep in mind that if you have a mortgage for over five years, you can then start saving money. But if are not in the house before five years is up, paying the mortgage points is more expensive than using a higher rate to finance. In other words, five years after you took out the mortgage, the interest at 7 percent would be equivalent to the how much you paid in points!

With some analysis, planning, and assistance, getting the best refinance home mortgage loan rate will help solve your money woes. Yes, there is a way to keep yourself off the breadline, and this way could be the best refinance home mortgage loan rate.



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