Working With a Mortgage Lender to Refinance Home Mortgage
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Home Page > Finance > Mortgage > Working With a Mortgage Lender to Refinance Home Mortgage
Working With a Mortgage Lender to Refinance Home Mortgage
Posted: Sep 18, 2009 |Comments: 0
|
For many homeowners, the government mortgage relief program has offered a welcome aid in reworking and refinancing an unwieldy mortgage. Unfortunately, not all homeowners qualify for mortgage assistance from the government even if a mortgage refinance would make sense. Fortunately, you may be able to work with a mortgage lender to refinance your mortgage, even if you don’t qualify for government mortgage aid.
Why Refinance Your Mortgage?
There are many different reasons to refinance your mortgage. Before you start shopping around for a new mortgage to replace your old one (which is essentially what “refinancing your mortgage” means) you should decide exactly what you want to accomplish by refinancing. Once you determine your objectives, you can sit down with a reputable lender and explain your goals. The lender will have a much better idea of the financial products that will suit your needs if he knows your intent.
Top Reasons to Refinance a Mortgage and Ways to Get There
Lower Monthly Payments
One of the most common reasons to refinance a mortgage is to lower your monthly payments. There are two ways to accomplish this — lengthen the term of your mortgage or lower the interest rate of your mortgage.
You’re most likely to qualify for a lower interest rate if your credit rating has improved considerably since your original (or current) mortgage. If you’ve been paying steadily on your mortgage without missing or being late on a payment for at least two years, and if you have kept other bills and accounts current as well, there’s a good chance that you’ll qualify for a mortgage refinance at a lower interest rate. This is an ideal situation, since you’ll also save money in the long term if you can refinance to a lower rate.
Your other option to get a lower mortgage rate is to apply for a mortgage with a longer term — from a 20 year to a 30 year mortgage, for instance. This is a far less desirable refinance option, but if you need to lower monthly payments because you can’t afford your current high-rate mortgage, it may be your best option. In this case, you’ll most likely be trading lower monthly payments for a higher overall cost.
Switch from Adjustable Rate to Fixed Rate Mortgage
The second most common reasons for refinancing your mortgage is to trade in an adjustable rate mortgage for a fixed rate mortgage. Millions of homeowners took advantage of low teaser rate hybrid mortgages over the past decade, only to find themselves paying on mortgages with interest rates that had pushed monthly payments out of the affordability range.
There are a few things to keep in mind if you’re attempting to switch from an adjustable rate to a fixed rate mortgage. In most cases, you’ll have to accept a higher interest rate than the prevailing adjustable mortgage rates in order to get a fixed rate mortgage. The advantages to the fixed rate mortgage include a stable monthly payment. The disadvantage is that interest rates might fall, and your fixed rate mortgage will be higher than an adjustable rate mortgage.
Pay off Your House Sooner
Yet another reason for seeking to refinance a mortgage is to get your house paid off sooner and get out of debt. The collateral advantage to refinancing to a shorter term is that you’ll also pay far less for your house over the long term. You should consider refinancing to a shorter term if you can now pay a higher monthly payment than you could when you took out the original mortgage. While you’ll probably pay higher monthly payments if you shorten the term of your mortgage, you’ll be paying far fewer payments, and that can add up to huge savings over the full term of your mortgage.
In addition to knowing why you want to refinance your mortgage, your lender will also need to know your home’s current value and the amount that you still owe on your current mortgage. Ideally, you’ll want a new mortgage to pay off your old mortgage and leave you some cash over. In the current topsy-turvy market, that may be more difficult than expected.
If your house is worth more than 5 percent less than you currently owe on your mortgage, for instance, the government won’t give any assistance on refinancing a mortgage. Some private lenders may be willing to lend up to 125 percent of the home’s current value for lenders with good credit.
As always, the more you know about the process, the better your position will be when it comes to choosing a lender and a mortgage product. Learn as much as you can about your options before applying to refinance your mortgage with a local lender.
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Jeremy Foster -
About the Author:
Jeremy Foster is a freelance writer who writes about mortgages and home ownership, offering tips such as how to find the mortage lender.
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I’m currently in a chapter 13 payback program. I strugglle to pay monthly bills as well as my mortgage payment each month. Would I be eligible for a bk buyout and mortgage refinance
Our loan was modified and it was only about $160 less than our mortgage and the term is extended to 40 yrs we took it anyways as we were desperate that time, but can we still apply for refinance this
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Sep 19, 2009
Working With a Mortgage Lender to Refinance Home Mortgage
For many homeowners, the government mortgage relief program has offered a welcome aid in reworking and refinancing an unwieldy mortgage. Your other option to get a lower mortgage rate is to apply for a mortgage with a longer term. One of the most common reasons to refinance a mortgage is to lower your monthly payments.As always, the more you know about the process, the better your position will be when it comes to choosing a lender and a mortgage product.
By:
Jeremy Fosterl
Finance>
Mortgagel
Sep 18, 2009
Why do Mortgage Rates Rise and Fall?
Anyone who is looking for a mortgage to buy a new house or refinance an existing mortgage is very aware that interest rates on mortgages rise and fall quickly. But few people who are not intimately involved in the housing market understand exactly what it is that moves the mortgage rates. The best option for tracking mortgage interest rates is to regularly check an online mortgage rate calculator for your area.
By:
Jeremy Fosterl
What a Mortgage Lender Can Do for You
At best, your mortgage lender can make your home buying experience as smooth as silk. Mortgage lenders offer many different kinds of mortgage products — fixed rate mortgages, adjustable rate mortgages, jumbo mortgages and balloon mortgages. The internet has changed that in many ways, but there are still a lot of home buyers who prefer a personal recommendation.
By:
Jeremy Fosterl
Finance>
Insurancel
Sep 16, 2009
Saving Money While Refinancing Your Home Mortgage
Refinancing your home mortgage is one way to save money during difficult financial times. Before you apply for any loan, take the time to check your most current credit reports. When you apply to refinance your mortgage, the lender will want a current appraisal of your home. Shop around and find the best deal on mortgage insurance on your own to save money on your mortgage insurance.
By:
Jeremy Fosterl
How Credit Score Can Impact Refinancing Home Mortgage
Whatever the reason for wanting to refinance a home mortgage, there are some simple facts that hold true — chief among them is that your credit score will have a major impact on the process. The better your credit score, the more likely it is that you’ll be offered a refinance at the lowest rates the lender offers. If you’re applying to refinance your mortgage, don’t settle for the first quote that you’re offered.
By:
Jeremy Fosterl
Finance>
Real Estatel
Sep 15, 2009
Getting a Home Mortgage: Closing Costs and Other Fees
Most people understand how interest rates affect the cost of a home mortgage , but closing costs are a bit more of a mystery. Even those who have gone through the process don’t always understand what the closing costs are and why they are paying them. For financial planning purposes, it’s important to understand all of the costs and fees of closing a mortgage.
By:
Jeremy Fosterl
Finance>
Real Estatel
Sep 15, 2009
ARM vs. Fixed Rate: Which is better?
Mortgages are fit under two general categories — fixed rate mortgages and ARMs, or adjustable rate mortgages. In a fixed rate mortgage, the interest rate remains the same throughout the life of the loan. However, in an adjustable rate mortgage, the rate on your mortgage changes based on some named index. Your individual financial circumstances and your personal preferences will determine which type of mortgage is best for you.
By:
Jeremy Fosterl
Business>
Home Businessl
Sep 14, 2009
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