HomePath Mortgages, extremely unfavorable rates?
I just got a quote for a mortgage on an investment property through Century 21. The property is owned by Fannie Mae and they accept 10% down on the properties through their lenders.
They want me to pay 4.6 points and 8.1% Interest, seems crazy to me. Anybody else use the HomePath mortage? I could really use somebody’s example to compare.
This will be the 3rd house I have bought and this just seems extremely high. This house is only $45,000 BTW
I have a 697 Median FICO score and plenty of income to qualify for the property. Also, I don’t see anything in Yahoo! Finance about a 10% Down, 15-Year mortgage for investment properties.
Categories: Mortgage Refinance Tags: extremely, HomePath, Mortgages, Rates, unfavorable
These Low Refinance Mortgage Rates Justify Looking Hard to Find Ways of Meeting the Requirements
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Home Page > Business > These Low Refinance Mortgage Rates Justify Looking Hard to Find Ways of Meeting the Requirements
These Low Refinance Mortgage Rates Justify Looking Hard to Find Ways of Meeting the Requirements
Posted: Oct 18, 2010 |
Reasonably low mortgage refinance rates are highly appealing. Nevertheless, low property prices and credit scores prevent many homeowners making the most of these rates. Common question asked by many is that could they refinance their existing mortgage? Securing these rates would give peace of mind that they will be alright even the rates begin going up from here. How would homeowners be able to conclude if they could refinance home mortgage loan now? Whilst determining the gains from low rate mortgage refinance, these are some of the considerations.
Probably the most significant determining factor is the house valuations. You should start with finding out how much is your home worth. Several websites let you to check the prices of houses sold recently. Realtor listings are other sources of property prices. Find out how much equity you have in your home before starting your refinance shopping. For conventional mortgages, loan to value needs to be reasonable to get good rates. Although there are other options available with low loan to value, it definitely limits the choices available.
When mortgage rates are low, savings interest rates are almost worthlessly low. Hence, many homeowners decide to utilise their savings to lower loan to value, so that they could refinance with the best rates. Securing the best rates is important, because you want to finish refinance and forget about it for a few years to reap most savings out of switching lender. Refinancing is a costly business, that is why you need to choose the best time to keep off repeat costs. Paying into a refinance deal is an alternative for people who have the means. Savings you will receive every month will allow you to build the back up cash fast again.
Next step is to check your existing mortgage rates and compare them with the current rates. You will come across many articles and experts using a 2% improvement in rates to make it worthwhile to refinance. However, if you are considering to stay in your home for many years, much less rate difference will support refinancing. Mortgage refinance rates are record low, so this will probably be your last refinance unless you decide to move. Another good example is switching to fixed rate from adjustable rate mortgage. These low rates will not last forever. Think how much you could save if the rates were to shot up a few points. In addition, the comfort the fixed rates provide emotionally is not measurable easily.
Hopefully, your credit score has improved since you got your mortgage. Improved credit score has the power to give you better rates on its own. In conclusion, do the math very carefully; you will be able to see things more clearly when you put them on a paper.
(ArticlesBase SC #3498522)
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Categories: Mortgage Refinance Tags: Find, Hard, Justify, looking, Meeting, mortgage, Rates, refinance, requirements, these, Ways
Why are mortgage loan interest rates higher for fixed rate mortgages held for longer periods of time?
I am sorry if this sounds like a dumb question, but I don’t understand. For example, why are 30 year fixed mortgage rates the highest mortgage rates, vs say a 15, and why are 15 year fixed rate mortgages higher than adjustable rate mortgages ? It seems that lending institutions are taking greater risk with a ARM vs. a Fixed rate mortage and they should pay a higher rate (For example, compared this situation to a new car loan vs a used car loan–the risk is higher on a used car loan ?? ??
I can understand a fixed rate loan of 30 higher than a 15 –greater risk of default from the borrower, BUT I still don’t get the ARM being so low.
Categories: Mortgage Refinance Tags: Fixed, held, higher, interest, loan, longer, mortgage, Mortgages, periods, Rate, Rates, Time
Tips for Finding Affordable Mortgage Rates
Tips for Finding Affordable Mortgage Rates
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Home Page > Finance > Mortgage > Tips for Finding Affordable Mortgage Rates
Tips for Finding Affordable Mortgage Rates
Posted: Nov 10, 2009 |Comments: 0
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Buying a house is a big deal – it is, for most people, the largest dollar purchase they’ll make in their lives. Regardless of whether you’re buying your first house or your fiftieth, the most important thing about buying a house is getting an affordable mortgage rate. The mortgage rate that you get could make or break the purchase of your home – a high mortgage rate could lower the amount of money you can spend on a house, therefore lowering the range of houses you can look at purchasing. A lower mortgage rate, however, can raise the range of houses you’re looking at purchasing, and can help you afford your dream home.
The mortgage rate on your home is determined by the lender that gives you the money to purchase the house. The mortgage rate is, for all lenders, based off of the prime mortgage lending rate, also known as the prime rate, and then the lenders add their “points”. Points are interest percentages that the lenders add to the prime rate to determine the mortgage rate that they are offering you. Some lenders have much lower lender points than others, which is why it is so important to shop around for a mortgage rate.
When you’re shopping around for a low and affordable mortgage rate, you’re really shopping for a lender. It’s important that you find a lender you can trust – you’ll be dealing with them for the next one to 25 years, or even longer, depending on your mortgage. Perhaps the best place to start your search for affordable mortgage rates is on the internet. The internet has many searchable databases for you to use to compare mortgage rates.
You can find plenty of online lenders who will give you a mortgage rate quote – many of them ask for very little information while others ask for much more information. Regardless, it’s important that you provide identical information, and as much information as possible, to the lenders that you’re requesting a mortgage rate quote from. This will ensure that you have the best “apples to apples” comparison to make with your mortgage rate quotes.
Mortgage rates are determined not only by the prime lending rate and the lender’s points, but also by your credit rating. The better or higher your credit rating, the better rate you’ll receive. If you have a bad or low credit rating, you’ll be faced with higher mortgage rates. However, if you do end up with a higher mortgage rate than is average, sign for only a one year term on your mortgage – the lending company will likely lower your mortgage rate after you’ve kept your mortgage payments in good standing with them for a year.
One of the best places to start your search for an affordable mortgage rate is with your regular bank – if you’ve been banking with them for awhile, and perhaps have or have had other loans or mortgages with them, they may be willing to offer you a lower and more affordable mortgage rate just to keep your business. Start with your regular bank or lending institution and see what they have to offer you.
The next step is to go to your bank or lending institution’s chief competitors. Sometimes this competition can reward you with a much lower mortgage rate – if the competing lenders offer you a lower rate (they may do this to land your other business – and may require you to move your everyday banking to their institution), go back to your regular lender or bank and show them the offers you’ve received – it can be a real pain to move all your banking to a new bank and your current bank doesn’t want to lose your business, no matter how “big or small” it is. By showing your lender the offers you’ve received from their competition, they may be able to rework their offer to you and offer you a more affordable mortgage rate.
After you’ve determined the lowest available mortgage rate available to you by standard banks and lenders in your area, it’s time to research the less common lenders. Small lenders in your area will likely post newspaper or billboard ads offering impressively low mortgage rates – it’s important to remember that these advertised rates are for “star clientele” who have great credit ratings. If your credit rating is marred at all, you will likely not qualify for their advertised rate, however you should still research what rate they’ll have available to you.
Once you’ve researched the Internet and local lenders and businesses for affordable mortgage rates, you should have anywhere from at least five to 30 quotes to compare. It’s important to remember that other options on your mortgage can impact your rate – whether you’re going for an open or fixed rate, and the term of your mortgage. Compare wisely and remember to watch out for the seemingly minor differences that can impact the rate you’ll get.
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