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::: Virginia Mortgage Articles :::



Refinance Mortgage Loan – Tips on Refinancing Your Home Mortgage

by Carrie Reeder

Refinancing your home mortgage can come with some great perks. If you do it with no money out of pocket, you can skip one to three mortgage payments. You can save money on your payment or pay off your entire mortgage faster when you have better terms. Here are a few things to pay attention to when you refinance your mortgage loan, to make sure that you don’t overlook anything that you might regret, or that can cause you problems later:

1. Apply for a pre-approval to many different lenders to make sure you are getting the lowest rate possible. When you do this, make sure that with the initial pre-approval application, the lender is not pulling your credit history. You will want to reserve your credit pull for the lender that you are most likely to work with. You can decide that after you have gone through the preliminary pre-approval process with a few lenders. Each time your credit is pulled, it docks your credit score just a little. If you have too many inquiries, it could keep you from refinancing your mortgage loan with the lowest rate possible. When you pre-apply for home mortgage loans online, most lenders or mortgage service companies will not initially pull your credit. Check for information about this on their website. They will usually tell you whether or not they are going to pull your credit. Also, if on the application you do not give them your social security number, they cannot pull your credit. If, on the application, they ask you to describe your credit, they are probably not pulling your credit.

2. Make sure that your original mortgage does not have a pre-payment penalty or early payoff penalty of any kind. Sometimes people will get into their mortgage with the mortgage having a pre-payment penalty and they will not even know about it. Pre-payment penalties usually range from 6 months to 3 years with a penalty for an early payoff. The penalty is usually about the amount of 6 months worth of your mortgage loan interest, but this varies. You would have to be able to have some significant payment and interest savings on your refinance loan to justify refinancing a mortgage loan with a pre-payment penalty.

3. When evaluating different lender offers, in the mortgage loan pre-approval process, pay closest attention to the interest rates they are offering & the closing costs. These are the two biggest factors that will help you figure out which lender is right for you. If one of these two factors is too high, it could offset the benefit of refinancing for you.

4. Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of the costs that will be involved with your loan. Find out if the refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.

To view a list of highly recommended refinance mortgage lenders, most of which will not pull your credit in the initial application, visit this page: Recommended Refinance
Mortgage Loans

About the Author

Carrie Reeder is the owner of http://www.abcloanguide.com. ABC Loan Guide is an informational loan website with informative articles, the latest finance news and lists of recommended mortgage lenders.



::: Virginia Mortgage News :::

Virginia Mortgage - Google News
Virginia Mortgage - Google News
Virginia Mortgage - Google News

TransUnion.com: Mortgage Loan Delinquency Rates Rise for the Sixth ... - Mark...
8 Sep 2008 at 4:08am

CNBC

TransUnion.com: Mortgage Loan Delinquency Rates Rise for the Sixth ...
MarketWatch - 3 hours ago
The lowest average mortgage debt per mortgage borrower was in West Virginia at $94765. Quarter t...



Paulson Engineers US Takeover of Fannie, Freddie (Update2) - Bloomberg
7 Sep 2008 at 11:08am

Paulson Engineers US Takeover of Fannie, Freddie (Update2)
Bloomberg - 20 hours ago
7 (Bloomberg) -- The US government seized control of Fannie Mae and Freddie Mac after the biggest surge in mortga...



US government takes over mortgage giants Fannie Mae and Freddie Mac - Scotsman
7 Sep 2008 at 5:05pm

US government takes over mortgage giants Fannie Mae and Freddie Mac
Scotsman, United Kingdom - 14 hours ago
... mortgage payments or facing repossession, fuelling speculation that Washington-b...



Mortgage Bonds Rally Following US Seizure of Fannie, Freddie - Bloomberg
8 Sep 2008 at 7:17am

Mortgage Bonds Rally Following US Seizure of Fannie, Freddie
Bloomberg - 16 minutes ago
8 (Bloomberg) -- Mortgage bonds guaranteed by Fannie Mae and Freddie Mac rallied the most since March, potent...



Virginia gets 6 years in mortgage fraud scheme - Forbes
5 Sep 2008 at 4:22pm

Virginia gets 6 years in mortgage fraud scheme
Forbes, NY - Sep 5, 2008
AP 09.05.08, 6:04 PM ET A federal judge has sentenced an Alexandria man to nearly six years in prison in connection with...



The Mortgage Crisis: How It May Affect You - BobVila.com
8 Sep 2008 at 6:24am

BobVila.com

The Mortgage Crisis: How It May Affect You
BobVila.com, MA - 1 hour ago
Across the country, in all kinds of neighborhoods, the mortgage crisis continues to unfold on all levels. Eve...



US Losses on Fannie, Freddie May Be $300 Billion, Poole Says - Bloomberg
7 Sep 2008 at 2:50pm

CTV.ca

US Losses on Fannie, Freddie May Be $300 Billion, Poole Says
Bloomberg - 16 hours ago
Treasury Secretary Henry Paulson said today he would replace the chief executives of Washington-based Fan...



US Takeover of Fannie, Freddie Offers `Stopgap' (Update2) - Bloomberg
8 Sep 2008 at 7:16am

US Takeover of Fannie, Freddie Offers `Stopgap' (Update2)
Bloomberg - 17 minutes ago
``Some of this is a stopgap to try to prevent the mortgage market from falling apart,'' former Feder...




::: Virginia Mortgage Blogs :::

Virginia Mortgage - Google Blog Search
Google Blog Search Results: 190,599 results for Virginia Mortgage - showing 1 through 10

Virginia Mortgage Fraud Update: Rajasekhar Marni and a Venture ...
2 Sep 2008 at 7:11pm
Two newsworthy real estate fraud items out of the state of Virginia (which according to the FBI ranks as one of the top 10 hot spots/states for mortgage fraud) : Real Estate Broker Rajasekhar Marni P...

Headline: US treasury seizes control of stricken mortgage giants
8 Sep 2008 at 12:49am
The US Government has intervened to rescue troubled mortgage funders Fannie Mae and Freddie Mac by bringing them under government control, in the latest of drastic moves to restore flagging investor c...

Free Credit Monitoring Can Help You Save On Your Virginia Beach ...
7 Sep 2008 at 9:19pm
We all know the three big credit bureaus have a big impact on our daily consumer credit and when preparing for a mortgage to purchase Virginia Beach, Chesapeake, or Hampton Roads real estate. A recent...

Real Estate Matchmaking: Finding the Perfect House
6 Sep 2008 at 9:48am
... Northern Virginia Real Estate | Northern Virginia MLS | Northern Virginia Luxury Homes | Northern Virginia Home Search | Northern Virginia Mortgage | Northern Virginia Search by City | Northern Vi...

Trump Rescues McMahon From Foreclosure. What Are Virginia Beach ...
6 Sep 2008 at 8:22am
A Trump bailout is great news for Ed McMahon, but what about Virginia Beach home owners who are struggling with mortgage payments? How do we avoid foreclosure? Here are HUDs Top 10 tips to Avoid Forec...

Still Struggling to Make that Mortgage Payment?
6 Sep 2008 at 2:31am
In the second quarter of 2008, mortgage servicers that are part of the industry-sponsored Hope Now alliance finished more than 522000 workouts. That doesn?t include home owners who have worked out loa...

?Which Virginia Mortgage Company is right for you?
6 Aug 2008 at 2:34pm
There are different types of mortgage companies in Virginia. There are the Mortgage Bankers, Mortgage Brokers, private Mortgage Companies, and Wholesale VA Mortgage Lenders. Mortgage bankers are the l...

Mortgage Rates Tumble
5 Sep 2008 at 2:46pm
Did anyone else notice that in the last few years, a common real estate advertising theme was, "if you wait until prices are better, mortgage rates will be higher so you'll lose"? Mortgage rates fall ...

Loan Virginia Mortgage Rate Calculator
18 Jul 2008 at 5:33pm
She worried about that Loan Virginia Mortgage Rate Calculator a chattering and disputatious will be setting soon. Thurston would never understand, Loan Virginia Mortgage Rate Calculator would increas...

Loan Refinance Va
26 Aug 2008 at 1:29am
Virginia Mortgage Rates Your mortgage sexy japan idol and refinance specialist in Virginia . We handle your mortgage loan needs, customers can apply on-line and use our payment calculators. Work ? htt...


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