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Refinancing

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3 key differences between a second mortgage and a cash-out refi loan
Owning a Home

3 key differences between a second mortgage and a cash-out refi loan

Cash-out refinance loans and second mortgages both allow you to borrow money while using your home as collateral for the loan. But there are important differences between them to consider when deciding which of the two -- if either -- is right for you.Here are three of the biggest differences ...

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A refinancing checklist every homeowner should complete
Owning a Home

A refinancing checklist every homeowner should complete

 Refinancing a home can help property owners reduce the cost of their mortgage. It's a pretty simple process. Homeowners who already have a mortgage will apply for a new refinance loan, either from their current lender or a different one. If approved, they'll use the loan proceeds to repay their ...

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Refinancing a jumbo mortgage
Owning a Home

Refinancing a jumbo mortgage

Mortgage refinancing can provide homeowners with options to consolidate debt, obtain a lower interest rate, and tap equity to pay for big-ticket expenses. Whatever the reason for refinancing, homeowners who have jumbo loans—those intended to finance luxury homes and properties—may face a demanding process because there’s more money at stake.  Jumbo ...

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Refinancing in a rising rate environment
Owning a Home

Refinancing in a rising rate environment

If interest rates are rising, you shouldn’t view that as a sure sign to put off refinancing your mortgage. When any of these 5 situations occur, it might indicate a good time to call for refinancing.   Current loan is at a high interest rateEven if interest rates are rising, they ...

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Refinancing as a long term strategy
Owning a Home

Refinancing as a long term strategy

Refinancing. You’re certainly familiar with the term. The draw of lower interest rates and monthly payments sounds enticing, but is it worth the hassle?The answer is maybe. It’s all about the numbers, and making them work for you. Refinancing can be a great contribution to a long-term financial strategy. Let’s ...

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How many times can you refinance?
Owning a Home

How many times can you refinance?

Refinancing can be a great way to lower your payments or to free up some cash for renovations.It’s a useful tool that many homeowners will take advantage of at one point or another. However, is there such a thing as too many refinances?Legally speaking, no. There are no specific regulations ...

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