Is it time to refinance

Refinance Information Getting it wrong can cost you thousands! You have probably seen television advertisements, newspaper ads, or online banners screaming as “fact” that it is Time to Refinance. It is true that mortgage rates are at historical lows; but does this dictate that you should refinance your current mortgage? Did you know that refinancing a mortgage, even at a significantly lower interest rate, can result in losses of tens of thousands of dollars? The Refinance Hype The decision to refinance a mortgage is based upon a complex set of factors that are as diverse as the property owners considering refinance. In my twenty-five plus years of working in the finance and mortgage banking industries, I have found that many consumers make this expensive decision without thought, and give almost no consideration to the long-term financial drains upon their families. Caution is often thrown into the wind!
Product	Description	More Information
Refinance series: The Refinance Hype!	It is up to the homeowner to understand for themselves when refinancing is a wise financial decision to.	more
Refinance series: The Questions You Must Ask...	The first question to be asked is about the reasons why you are considering a refinancie. Does refinancing make good financial sense?	more
Refinance series: What Happened To The Rate Advertised?	What you see is not necessarily what you get! An "insider" view of how rate adjustments affect the "loss leader" (misleading) advertised interest rate.	more
Refinance series: Do your Refinance homework!	Unscroupulous loan officers thrive on a consumer's lack of knowledge. Do your refinance homework and never be blinded by the mortgage industries smoke and mirrors!	more
Refinance series: How to Compare lenders rate offerings	Everyone says that you must compare lenders' programs. The problem is that no one has explained exactly how to do this.... until now!	more
Refinance series: Should You Buy Down With Points?	When is it financially prudent to use discount points to buy down your interest rate? When is it a colossal waste of your hard earned money?	more
Consider Other Mortgage Programs	If you are thinking about refinancing your mortgage, you might want to consider other types of mortgages. For example, you might want to look into a 15-year fixed rate mortgage.	more
Deciding to Refinance	Traditionally, the decision about whether or not to refinance has meant balancing the savings of a lower monthly payment against the costs of refinancing.	more
Refinance Once Then Do It Again	When rates fall steadily, refinancing may make sense, even if you have refinanced once already.	more
Refinance Considerations	Considerations you should look at before making a decision to refinance.	more

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