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Refinancing At The Time Of Variable Rate Mortgage Adjustment

Variable rate mortgages, also known as adjustable rate mortgages (ARMs) have a single defining idea behind their design and execution: they reflect the actual value of money at the time when the rate is adjusted. These rates are determined by an overall financial index that continually fluctuates over time. It's this fluctuating monetary index that determines whether the interest rate you got, when you first received your variable rate...more

Three Strategies For Crash-Proof Wealth Building

Three Strategies For Crash-Proof Wealth Building Be Entrepreneurial, Educated, And Engagedby Michael D. Hume, M.S.Despite what you hear in the media, the "recession" is not over, and the global economy is not on the rebound. VERY tough times are ahead. For confirmation, you need look no further than the tooth-and-nail fight Washington is performing today over a small amount of spending cuts - less than a few weeks' worth of...more

Mortgages Rates Shoot Up

Mortgage rates shot up this week with the 30 year rate moving from 4.81 to 4.94. Rates also moved up substantially last week. So now in the last two weeks rates have moved from 4.71 to 4.94. This is highest the 30 year rate has been since November 5th. Although the other mortgage products have moved up in the last two weeks they have not risen as dramatically as the 30 year rate. Below are rates from the weeks from Nov 19, 2009 to Dec 17, 2009 Dec 17, 2009 30-fixed 4.94 15-fixed 4.38 5-ARM 4.37 1-ARM 4.34 Dec 10, 2009 30-fixed 4.81 15-fixed 4.32 5-ARM 4.26 1-ARM 4.24 Dec 03, 2009 30-fixed 4.71 15-fixed 4.27 5-ARM 4.18 1-ARM 4.25 Nov 26, 2009 30-fixed 4.78 15-fixed 4.29 5-ARM 4.18 1-ARM 4.35 Nov 19, 2009 30-fixed 4.83 15-fixed 4.32 5-ARM 4.25 1-ARM 4.35 For the last few months the 30 year rate has always been the obvious choice. Since 30 year rates have risen .23 points in the last two weeks while 15 year rates have only risen .11 points and the 1 year arm has only risen .10 points, now it's becoming less obvious. I would still think 30 year rates is still probably the default choice for most homeowners there are probably rare circumstances where it might make more...more

Know More About Mortgage Protection Insurance!

You are about to buy your first life insurance policy and this is first foray into the world of life insurance policies, the word Mortgage protection insurance can leave you a little disconcerted. What is the difference between Mortgage protection insurance and life insurance? What would best suit your needs? Are there any extra benefits of...more

Apply For Mortgage Payment Protection Insurance

If you have monthly mortgage repayments to make and are in full time employment the you should give some serious thought as to how you would continue to meet your mortgage repayments if you were to find yourself without an income after losing your job due to suffering from an illness, an accident or unemployment through no fault of your own....more

Low Mortgage Rate Not A Dream, It Is A Reality

When a person plans to mortgage a home, many questions come to the mind. There are various lending institutions that offer different loan products. All of them claim to offer a low mortgage rate home loan. But, whom should you trust? The right guidance at this point of time can greatly affect the over all cost of your loan.Let us discuss the different aspects of a home loan and how they can affect you:-The Two Most Preferred Interest Rates TypesNo doubt that the interest rate is the most crucial factor of a loan. The monthly installment and the overall cost of the loan depend on the rate of interest. There are mainly two types of mortgage rates- a fixed-rate interest and an adjustable mortgage rate.In a fixed-rate interest loan, the interest rate remains the same throughout the loan period. Whereas, in an adjustable mortgage rate loan, the interest rate moves up and down along with the economic index that it is attached to. If inflation rises, so does your interest rate and the monthly installment. Likewise, the fall in the inflation will bring down the interest rate and monthly payback. You should choose an interest type according to your needs. Both the rate types have their pros...more

Can You Still Refinance Your Mortgage If You Have Bad Credit?

You own your own home and somehow you are able to make ends meet. The car payments, the credit cards, the store credit, and especially the mortgage -you juggle the bills and try to stay ahead. But despite your best efforts you have missed some...more

Do It Yourself Loan Modification - Every Thing You Need To Know

From Country Wide and Wells Fargo to other banks, almost all lending institutions are offering home loan modification as a means for dealing with the subprime crisis and other factors marring the American economy.These mortgage modification programs...more

Mortgage Refinance Lower Interest Rates, Longer Terms, Lower Payments

There are many reasons to get a mortgage refinance. Due to the long terms of most mortgages, chances are good that your original terms no longer suit you. Whether you want to pay off the loan faster, stretch it out, pay lower interest rates or wring...more

Should You Refinance Your Mortgage?

Historically low interest rates have many people tempted to repeatedly refinance their mortgage. Before you turn into an interest rate-chasing junkie, lets talk about when refinancing makes sense and when it can cost too much. First, keep in mind...more

What Should A Properly Written Loan Modification Hardship Letter Include

A good home loan modification letter should include three crucial elements. These three crucial points will help you to arrange your mortgage modification hardship letter in such a way that it will include all the necessary information and get you...more

Defining Mortgage Insurance and its two basic types

No matter whatever the life brings in its path, mortgage life insurance helps you make sure your family is covered by essential protection and their future is safe and secure. The type of mortgage life insurance policy to choose from...more
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