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How Soon Should One Refinance a Home Mortgage?

Mortgage rates fluctuate so when rates fall, refinancing is tempting. Mortgage terms and conditions vary along with interest rates among different lenders. When interest rates drop, homeowners can save...

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When Does It Pay to Refinance a Home Mortgage?

Refinancing can save you money by replacing your mortgage with a new loan that has better terms. You will need to shop for the lender who will offer the best interest rate, and lowest fees and costs....

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How to Refinance a Home With a High Debt-to-Income Ratio

By refinancing a mortgage loan, homeowners can save a significant amount of money each month on their home loan payments. A homeowner with a 30-year fixed-rate mortgage loan of $165,000 would save more...

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What Information Do I Need to Refinance My Home?

You may wish to refinance your mortgage for several reasons, including obtaining better interest rates, switching from an adjustable rate mortgage to a fixed rate mortgage and getting cash out from...

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How to Refinance a Home During Divorce

A refinance involves a borrower obtaining a new mortgage loan to pay off an existing mortgage. Refinances are typically done during a divorce when only one party is keeping the home, and the other...

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The Best Way to Refinance Your Home Mortgage

Have historically low interest rates enticed you to consider refinancing? Now might be the time. Whether you want to lower your payment by locking in at a better rate and longer term, or take equity...

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How Do I Find Out What the House Prices Are for My Area?

Home values fluctuate from year to year and from one area to the next. When homeowners want to sell or refinance a home, understanding the home's value is a critical part of their decision-making...

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At What Percent Decrease Should I Refinance My Home?

If the rates on new mortgages have declined since you took out your current loan, you may be considering a refinance to a lower rate. A rate refinance will lower the monthly payment, resulting in...

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How Do I Refinance a Home Mortgage With a Lien on the Home?

A lien is a claim on your home for an unpaid debt. First and second mortgages come with liens; the IRS and local government can also file liens for unpaid taxes. A contractor who performs work on your...

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How do I Refinance a Home to Get Money for Remodeling Repairs?

Home refinancing lets you adjust the term of your loan, get a lower interest rate and lower your monthly payments. And if you have significant equity in your home, refinancing may allow you to obtain...

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How to Refinance Up to 100 Percent of Home Value

Refinancing your mortgage when its balance is 100 percent of your home’s value requires a specialized program. Most mortgage refinances will not allow your loan to equal your home’s value. However, if...

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How to Refinance an Owner-Financed Home

You can refinance an owner-financed home in the same way you would refinance any other existing recorded mortgage. There is no legal difference between paying off and refinancing a seller loan or a...

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How Soon Can You Refinance Your Home After Buying?

If you’re a wise homeowner or investor, you’re always on the lookout for a mortgage with a lower rate. When you find one, you’re in luck, at least technically: Neither the State of California nor...

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The Danger of Lupine

Lupines (Lupinus spp.) are cultivated for a variety of uses in the landscape, from ornamental perennials for the garden to food crops for livestock. The species has both benefits and problems for the...

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At What Point Should You Refinance a Home Mortgage?

There is no single rule or guideline for determining when, if ever, you should refinance your home mortgage. You may hear or read that when rates go down by at least 1 percentage point, you should...

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Can I Get a VA Streamline Refinance on My Investment Home Which Has a Current...

You can get a VA streamline refinance (also known as a rollover) on an investment property under certain conditions. In a refinance, an existing loan is paid off with a new loan. The definition of a...

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How Soon After Purchasing a Home Under the USDA Program Can I Refinance?

If you have a USDA home loan, the good news is the government has a pilot program making it easier to refinance if you live in an eligible state, including California. According to the White House fact...

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Who Will Refinance My Home If I Have Late Payments?

When evaluating a refinance application, a mortgage lender ensures that your present loan is current, with no late payments for at least the past 12-month period. Conventional lenders, as well as...

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Can I Refinance a Home That Has Been in Modification?

A borrower might receive a loan modification if he proves to his lender that he can afford lower payments and has a legitimate financial hardship. Typically, lenders don't approve modifications unless...

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