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  • Why you should refinance multi-family buildings now.(Banking & Finance): An article from: Real Estate Weekly


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    • why refinance FAQ

    Why not refinance your mortgage and invest the equity?

    Oct 15, 2007 by jeremyweiser | Posted in Renting & Real Estate

    Why not take equity out of your home from refinancing and put that into an investment vehicle that earns you interest? Considering that home equity doesn't earn you any rate of return, wouldn't this be beneficial?

    It depends on the interest rate you'd pay on the mortgage, reduced by the tax effects assuming it it deductible, and the return you'd get on the investment, reduced by the taxes you'll pay on the gains.

    Once you know that, you have to

    open4one | Oct 15, 2007

    Yes, it's a good idea, but you have to take into account two things: the investment will have to earn more than the interest on the loan, and you also have to be prepared to pay income taxes on the profit from your investment when you cash it in. And
    AnOrdinaryGuy | Oct 15, 2007

    Why do you need equity in your home to refinance your mortgage?

    Feb 19, 2009 by Dark Magician | Posted in Renting & Real Estate

    I understand equity is value you have built up in your home by making loan payments but why is it required to refinance? Is it because lenders want to see you are in the process of paying off the loan instead of simply refinancing frequently?

    Since mortgage companies have been burned by people with little to no equity (they tend to walk away when the value drops a little), they aren't willing to take that risk anymore.

    In general, if you do not own at least 20% of the CURRENT

    Rush is a band | Feb 19, 2009

    They want your new loan to be less than what the property is worth in case they have to repo it.
    dreamgirl | Feb 19, 2009

    Why do rising house prices make it easier to refinance a mortgage?

    Aug 06, 2008 by Carefree | Posted in Renting & Real Estate

    Assuming there are rising housing prices, why would it be preferable to refinance a mortgage? Why would this lead to lower interest payments than the current loan? Did the assumption that house prices would always rise contribute towards the sub-prime

    It's easier to refinance a mortgage if you owe much less than the house is worth. If you buy a house for $200,000 with an initial mortgage of $180,000 and then the house appreciates to $300,000, it's easy to refinance because you'll be borrowing less

    Kathryn | Aug 06, 2008

    why refinance news

    Obama's Ridiculous To-Do List

    18.05.12

    President Barack Obama has compiled a handy to-do list for Congress that, "if acted upon quickly, will create jobs and help restore middle class security," according to the White House's blog. And it's about time. This is most certainly not, as cynics might suggest, another transparent political scheme. After all, these initiatives, the White House claims, enjoy bipartisan support -- which, I gather, is meant to impress you, even if it's not exactly true.


    Source: RealClearPolitics

    Mortgages Beat Corporates With Fed Q3 Discounted

    18.05.12

    Government-backed mortgage bonds are beating corporate notes even as investors see shrinking odds the Federal Reserve will expand its holdings of U.S. housing debt.

    When compared with similar-duration Treasuries, returns on the home-loan securities are exceeding U.S. investment-grade company bonds by 11 basis points since March, partly because a Fed purchase program for mortgages is limiting a decline in demand as low yields deter some investors. In the first quarter, excess returns on mortgage debt trailed those on corporates by 276 basis points, Barclays Plc index data show.


    Source: BusinessWeek

    why refinance about


    Business digest
    STLtoday.com - May 13, 2011 Business digest Mortgage rates at their lowest of 2011 • Fixed mortgage rates have fallen to their lowest levels of the year, giving Americans more incentive to buy homes or refinance their loans. Freddie Mac said Thursday the average rate on the 30-year loan fell to

    Asurion Sets Interest Rates on $3.57 Billion in Refinance Loans
    BusinessWeek - May 12, 2011 May 12 (Bloomberg) -- Asurion Corp., the private equity- owned provider of wireless handset insurance and roadside assistance, set the initial interest rates on $3.57 billion it's seeking to refinance debt, according to a person with

    Mortgage Applications are Up, Financing Volume is Down
    Bryan Ellis Real Estate Letter - May 12, 2011 This week, mortgage applications increased 8.2 percent over the week prior, with the refinance index increasing 9 percent and hitting its highest level since mid-March[1]. However, points out Michael Fratantoni, the Mortgage Bankers Association (MBA)'s

    Bankrate: Refinancing denied? Join the club
    The Republic - May 12, 2011 Jessica Ullrich was hopeful when she learned of the Home Affordable Refinance Program, which she thought would allow her to refinance her mortgage at a lower interest rate even though she had no equity

    Reliance Communications Draws on Second Tranche
    Wall Street Journal - May 12, 2011 Reliance Communications Draws on Second Tranche The drawn down amount will be used to refinance the company's short-term rupee borrowings, which were made to purchase licenses for third-generation mobile phone spectrum last year. The company will save on interest costs of up to 5 billion rupees a