How to Take Advantage of the Lowest Mortgage Rates
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Home Page > Business > How to Take Advantage of the Lowest Mortgage Rates
How to Take Advantage of the Lowest Mortgage Rates
Posted: May 11, 2009 |Comments: 0
|
Most people who are getting a mortgage believe the number one factor to consider is the interest rate, and rightly so. Over the average mortgage term (around thirty years) a single percentage point in interest can mean thousands of dollars more spent on the mortgage rather than going into your pocket.
The interest rate on your mortgage is all-important, so it is definitely worthwhile learning more about how interest rates work, and how you can take advantage of low interest rates. With that in mind, here are some tips that will help you get the lowest mortgage rate.
Tip #1: Bargain from a Position of Strength
If you want to negotiate the most favorable terms for your mortgage interest rate that you possibly can, it is important that you negotiate from a position of strength. With mortgage terms and conditions relying ever more heavily on risk-based assessment, getting a low interest rate is all about convincing a lender that you are a good risk.
For the most part, this means having a good credit score, stable employment, and a good income-to-debt ratio. What can you do to improve your odds?
Get a copy of your credit report and check for errors that might lower your credit score. Take a look at this information several months before you plan to apply for mortgages to give you time to fix errors and have your credit rating adjusted accordingly. When you apply for a mortgage, any debt that will take longer than six months to pay off will affect your mortgage eligibility. Before taking out a mortgage reduce your long-term debt, and don’t take out any loans or make large purchases until after you’re approved.
Tip#2: Know the Value of your Money
Before negotiating with a mortgage lender, you should know where your money is best spent. Will you benefit more from making a large deposit, or from buying points to lock in a low interest rate? Should you get a twenty-year mortgage or a thirty-year loan?
Example: You borrow $270,000 with a $30,000 deposit at 8% interest over 20 years. Your monthly repayments will be $2,258, and you will pay $272,103 in interest.
What if you pay a $50,000 deposit? You’ll borrow $250,000, for monthly repayments of $2,091 and total interest paid of $251,864. The larger deposit saves you $20,239 in interest and your monthly repayments are $167 lower.
Or, let’s say you reduce your mortgage to 15 years. In this case you pay $2,580 per month and pay a total of $194,447 in interest – and you save a whopping $77,656 in interest.
Alternatively, if you reduce the interest rate on the twenty-year loan by 0.25%, you pay $2,217 per month, and save $10,038 in interest over 20 years. Amazingly, reducing your interest rate by just one quarter of a percent leads to a saving of a little over $10,000.
So what does this mean? Reducing your mortgage term is definitely the best way to reduce the amount of interest you pay over the term of your mortgage. However, to vastly improve your negotiating power, you are better off increasing the size of your down-payment. This way, you can negotiate a lower interest rate, and even a small reduction leads to big savings.
Tip #3: Buy Points and Lock in a Low Rate…Possibly
When you are in the midst of mortgage negotiations, there are a couple of optional extra steps you can take to reduce your interest rate, but remember, it is not always financially prudent to do so. Every case is different, so do not assume these steps are inherently beneficial.
If your lender offers points (most do) you can purchase points to reduce your mortgage interest rate. This can be a very good way of saving money over your mortgage term, but it is extremely important to do the math and make sure you are saving more in interest than you spend on points. If you feel confident (and knowledgeable) enough, you can try to lock in a low interest rate. This means your lender agrees to lock in your interest rate at a rate you agree upon, until your mortgage is processed. If interest rates rise, you get to keep the lower rate, but you are still locked into the higher rate if they fall.
Tip #4: Get Pre-approved
What does pre-approval have to do with getting a lower interest rate? Simple, if you get the mortgage before you go looking for a house, time is not an issue, and you can negotiate at your leisure. If you wait till you have found the house of your dreams, you are going to feel pressured to get that mortgage ASAP, and that leaves you in a poor bargaining position.
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Jeremy Foster -
About the Author:
Jeremy Foster is a freelance writer who writes about financial products pertaining to the mortgage industry such as the lowest mortgage rates.
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Wealthy Affiliate is believed to be one of the best training and coaching websites out there. It deals with affiliate marketing and trains you to become a top marketer in no time. If you are willing to pay a nominal monthly fee, then you should not go anywhere else.
By:
Samuel Mckenziel
Businessl
Jan 23, 2011
Wholesale Mortgage Lenders: What You Need to Know
Wholesale mortgage lenders are organizations which do not cater to the retail end of the mortgage market. Instead, they originate funding for loans, without actually dealing with the people who buy those loans. Most mortgage lenders, such as banks, credit unions, and other lending institutions, have what amounts to a wholesale department and a retail department, both within the same organization.
By:
Jeremy Fosterl
Businessl
May 19, 2009
Use the Internet to Keep Track of Mortgage Rates
Keeping track of mortgage rates is easier than it’s ever been, thanks to the internet. No need to phone around banks or check the newspaper every day: as long as you have access to the internet, you can check mortgage interest rates as often as you want. Another important reason to track mortgage rates online is if you are currently applying for a loan, and are hoping to lock in a low interest rate.
By:
Jeremy Fosterl
Businessl
May 19, 2009
Overview of Commercial Mortgage Lenders
Commercial mortgages are very similar to residential mortgages, but there are some key differences. One of the most important is in the way lenders view commercial mortgages versus residential mortgages. Generally, lenders consider commercial mortgages to be much riskier, and this is reflected in more stringent lending criteria and higher interest rates. Most banks and other conventional lenders offer commercial mortgages, but as with residential mortgages, you must satisfy certain lending crite
By:
Jeremy Fosterl
Businessl
May 14, 2009
How to Take Advantage of the Lowest Mortgage Rates
Most people who are getting a mortgage believe the number one factor to consider is the interest rate, and rightly so. Over the average mortgage term a single percentage point in interest can mean thousands of dollars more spent on the mortgage rather than going into your pocket. The interest rate on your mortgage is all-important, so it is definitely worthwhile learning more about how interest rates work, and how you can take advantage of low interest rates.
By:
Jeremy Fosterl
Businessl
May 11, 2009
How to Manage Your Mortgage Short Term and Long Term
The prospect of getting your first mortgage, or even a second or third, can be daunting in any economy. Good mortgage management, both in the short term and the long term, is always the best policy. It is always better to err on the side of caution and restrict yourself to a loan you know you can repay. The key is making sure you do not get a bigger mortgage than you can afford, no matter how tempting it may seem.
By:
Jeremy Fosterl
Businessl
May 09, 2009
lViews: 189
How to Find the Lowest Mortgage Rates
Most banks and other lending institutions update their mortgage interest rates at least once per day. The rates are calculated on the basis of Federal Reserve interest rates as well as other factors that represent the lender’s costs of loaning money to a mortgage applicant. The most important thing to understand is that lender quotes are not always going to be reliable. It is important to remember that when you buy points you must pay for them in cash when you close on the property.
By:
Jeremy Fosterl
Businessl
May 03, 2009
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