Refinance Loans and Mortgage Rates

When you refinance your mortgage, you typically exchange a higher interest rate for a lower rate, which reduces your monthly payment. Refinancing your mortgage also allows you to take advantage of your home equity. Many people chose to refinance from an adjustable rate mortgage (ARM) to a fixed-rate mortgage in order to avoid increasing mortgage rates and lock in a lower rate and lower monthly mortgage payments.

Find Competitive Refinance Loans

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Lower payments
Cash at closing
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Articles About Refinance Loans

• Fixed vs. Adjustable Mortgage Rates
  Both fixed and adjustable-rate mortgages have their places, as long as each is properly understood by the borrower.
• Watch Out for Mortgage Fraud
  Be able to recognize the difference between mortgage scams and legitimate solutions such as refinancing.
• As Mortgage Rates Move Higher, There's Still Time for Refinancing
  Mortgage rates have risen after a long decline, but it is still worth looking into mortgage refinancing.
• Don't Wait for the Feds to Act before Refinancing Your Mortgage
  Falling mortgage rates are already creating refinancing opportunities
• What to Look At Before You Refinance a Mortgage
  Be sure to factor in refinance penalties and closing costs before refinancing a mortgage.
• Be Alert for Mortgage Refinance Opportunities
  History shows that a large majority of mortgage holders will get at least one chance to refinance, if they are ready to act.
• The How-to-Refinance Toolkit: Why Length Matters
  When shopping for mortgage loans, compare loans of the same length to make an accurate assessment.
• New Rules for Mortgage Companies?
  New bills introduced on Capital Hill will change the way mortgage companies do business.
• The How-to-Refinance Toolkit: What Rising Rates Mean for Refinancing
  With rates on the rise you might think there's no way to save money now by refinancing. Here's why you could be wrong.
• Understand the Mechanics of a Mortgage before You Borrow
  Understanding how a mortgage works can make your home loan experience more successful.
• Home Buyers: Keep Your Eyes on Both Prices and Mortgage Rates
  Falling prices and lower mortgage rates mean more value for prospective buyers.
• The How-to-Refinance Toolkit: Adjustable-Rate Mortgages
  If you have an adjustable rate mortgage you might want to consider refinancing it into a fixed rate mortgage or a new adjustable rate loan.
• What Ben Bernanke Means to Your Mortgage
  Good news for mortgage shoppers was in the market well before the Federal Reserve Rate cut.
• Mortgage Interest Deductions: Home Acquisition Loans
  Home acquisition loan interest is explored in this second of a three part series on income tax deductions for mortgage interest.
• Mortgage Methods: A Simple Rule of Thumb for Home Equity
  A simple test for how home equity can be used sensibly.
• Refinancing Can Help Avoid Mortgage Foreclosure
  If you are having trouble paying your mortgage, don't panic. Thousands of Americans have found themselves in this predicament. Finding a way out of the situation requires that you bear down and work through the problem rationally.
• Mortgage Refinancing Strategies
  Typically, declines in mortgage rates are greeted with a flurry of refinancing activity, as mortgage holders seek to take advantage of lower rates. However, taking advantage of a mortgage rate differential is not the only reason to consider refinancing. From restructuring loan terms to putting home equity to use, there are a variety of refinancing strategies you can pursue.
• Heads-Up Homeowners: Mortgage Refinancing Opportunities are Reappearing
  A significant mortgage news item was released in early September to relatively little fanfare. It seems that mortgage application activity, which had been mired in a downtrend, has turned upward more recently. Should this trend continue, it could well be a signal for more and more existing mortgage holders to consider refinancing.
• Refinancing, Home Loan Help to Prevent Mortgage Foreclosure
  Afraid that foreclosure is in your future? Need to refinance? You might find that your lender is willing to work with you to prevent a foreclosure.
• Ten Suggestions to Help You Refinance Your Home Loan
  Getting the mortgage refinancing you need can be a simple and straightforward process. These tips can help you get the home loan that best fits your needs.
• Refinance in 2007 and See a Tax Break Next Year
  A new tax break is in effect that could put money back in your wallet come 2008.

How to Refinance

• Why Length Matters
• Apples-to-Apples Rate Comparisons
• What Rising Rates Mean for Refinancing
• Adjustable-Rate Mortgages

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