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  • Mortgages For Dummies, 3rd Edition


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  • So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans


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    • home refinance mortgage FAQ

    what's the current minumum fico score for doing a stated home mortgage refinance deal?

    May 19, 2008 by Julio A | Posted in Renting & Real Estate

    i want to refinance my home,but my broker tells me that the minumum fico score is constantly changing,so,i want to exactly know what is the minumum score to do a stated refinance mortgage deal right now?

    at my brokerage we can currently do 70% LTV with a minimum of a 680 score. i don't know what that guy was talking about income for, the whole purpose of a stated loan is for people who don't have enough income. if your score is over 700 however we can

    loan_solutions | May 19, 2008

    I would say 680 to get a conventional loan and that is the only kind of loan you can get with stated income. Keep in mind that you will likely be required to put 20% down payment and another 3-5% for closing costs.
    danesgirl74 | May 19, 2008

    Looking to find lowest refinance home mortgage rates?

    Feb 11, 2008 by TJR | Posted in Personal Finance

    I’m looking for a better home loan mortgage rate than I currently have with my bank. So I am seriously considering refinancing. Does anyone know where I can currently check for the lowest refinance home mortgage rates?

    You can actually get a better mortgage rate – without refinancing. There is a website which allows you to check for free if there is a better rate available with your current lender.

    You can avoid the costs and all the paperwork and hassle

    webllinks | Feb 11, 2008

    The first thing I would do is get a copy of your credit report and score. Lending tree is a comparable rate lender that offers you several rates from competing banks, but you should know what your score is first! This is what the banks will be looking
    Abc D | Feb 11, 2008

    My 5/1 arm will reset in 18 months, should I refinance home mortgage now, or wait for few more months?

    Apr 10, 2008 by deedee | Posted in Renting & Real Estate

    Current rate of ARM interest is 5.125%. Would it better to go for 6.75% mortgage refinance at no closing costs, if I am planning to live in the same house for next 7 to 10 years?

    DeeDee, what does your mortgage indicate? Is there a pre-payment or other penalty? Has your homes value decreased? Do you have equity in the home.

    If your home is in a declining area, your lender may require a 5 percent payment available

    Gary Smith, Realtor® | Apr 11, 2008

    home refinance mortgage news

    US mortgage applications sagged last week: MBA

    23.02.12 We welcome comments that advance the story through relevant opinion, anecdotes, links and data. If you see a comment that you believe is irrelevant or inappropriate, you can flag it to our editors by using the report abuse links. Views expressed in the comments do not represent those of Reuters. For
    Source: Reuters

    Opinion: Mortgage settlement fund must go to NJ homeowners

    23.02.12

    By Phyllis Salowe-Kay

    New Jerseyans should not be fooled by the recent mortgage servicing settlement announced by the U.S. attorney general and 49 state attorneys general that has been touted as the best thing since sliced bread (“Landmark deal sends mortgage aid New Jersey’s way — State gets $838M in settlement with five banks,” Feb. 10). While the deal does call for reductions in mortgage principal, refinancing and other forms of relief, as well as new rules for mortgage services, the devil will be in the details. Much will depend on the program design, the implementation process and the enforcement mechanisms that are established to carry out the order.


    Source: The Star-Ledger - NJ.com

    Mortgage Rates Today: Citibank, Bank of America and PNC Bank Refinance Rates ...

    23.02.12

    Over the recent weeks major US lenders, like PNC Bank (NYSE:PNC), Bank of America (NYSE:BAC) and Citibank (NYSE:C) to name a few, are offering refinance mortgage loans at superbly attractive rates, close to all time record lows. In line with this fact, there are some good news for those who are seeking for a chance to clear off a considerable amount of money from their existing loans, as the current run of exceptionally low mortgage rates continues.


    Source: Eastern Morning Herald