American (financial coach) Wide Loans- FHA Mortgage Refinance and VA Mortgage Refinance options:
No commentsBy Mark Kreischer
Now is the time to refinance!!
VA Mortgage & FHA Mortgage Refinance solutions:
If your ARM (adjustable-rate mortgage) is adjusting - lock in a low rate with a 30-year fixed VA Loan or FHA loan. If you have a high interest rate stop wasting money and get a lower rate and payment. If your home needs repairs - get cash out to make home improvements. FHA offers up to 85% cash out. If you have outstanding debt - combine it into one lower monthly payment with a possible tax deduction. If you’re in a jumbo loan - loan limits have changed - see if you could qualify for a new lower rate or an FHA or VA Mortgage Refinance loan!
Tips on when to refinance:
It doesn’t make sense refinancing when you shouldn’t. So, check out the mortgage refinance tips as given below and get an idea on when to refinance. Build up equity: It is feasible to go for a refinance when you have built up at least 10% equity in your home (For Fannie Mae owned mortgages, the value is 5%). It is also possible for you to choose the option if your equity is less than 5%, but you may have to pay a certain amount of cash in order to make up for the difference in equity. Check if current market rates are low: It’s better to follow the 1% Rule which suggests that you can enjoy the benefits of a home mortgage refinance if you get an interest rate 1% lower than that on your current loan. The interest savings will help you recoup the costs you’ve paid for the new loan provided you stay in the property for a certain period of time (break-even period). However, there are no-cost as well as low-cost mortgage refinance loan wherein the costs are included into the loan. But you can expect comparatively higher rates on such loans. Moreover, these loans are limited when the market is in a credit crunch.
Pay off any late payment: There is no such limit on the number of times you can go for home refinance loans. Most lenders prefer that you have no late payment for the past 12 months before you switch over to a new loan. Remove negatives and improve credit score: Pull your credit report from the bureaus and review it for any negative items (late pays, collections etc) and inaccurate detail. Try to dispute negative items and remove them from the report. If required pay off any unpaid debt. Otherwise, you won’t get a low rate and may not even qualify. Of course there are lenders in the subprime market who may offer you a bad credit mortgage refinance loan, but it’s better to avoid them as they’ll possible charge higher rates and fees.
For more information visit our website http://www.americanwideloans.com
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Reasons to Work in Data Entry
By Jake Saab
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Saturday, February 27th, 2010 at 7:00 pm and is filed under finance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
