Mortgage rates are on the rise, and that means if you have been putting off a refinance, it may be time to hurry. The longer you wait, the more likely the interest rates will increase – at least in today’s economy – and that reduces the value of refinancing in the future. Refinancing is not […]
Before the mortgage bubble burst in 2008, there was a saying in the industry: “All you need to get a mortgage is a pulse.” Sounds suspect, no? The mortgage industry pre-2008 was the wild west of the lending frontier. Credit scores and debt-to-income minimums might as well have been suggestions, rather than guidelines. Even worse, […]
One of the most important factors of your mortgage is the interest rate. It is absolutely necessary to secure the lowest possible interest rate to save money over the life of the loan. For example, imagine you want to secure a mortgage for $150,000 and choose the 30-year, fixed rate term. This means you will […]
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