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Refinancing Your Home Loan? When Should You Refinance Your Home?
By: Carrie Reeder
If you have a current mortgage and are unhappy with the interest
rate or the amount of the monthly payments, it is possible to
refinance your
home and eliminate your
problems.
But before you call your lender, there are some
questions that you should ask yourself in order to determine
whether or not it's the right
time for refinancing your
mortgage loan.
The first question that you should ask yourself is if you have
the cash on hand to pay the fees. Depending on the amount of your
mortgage, and the specific fees that your lender will charge, you
could pay anywhere from a couple of hundreds dollars to a few
thousand. Be sure that you're financially ready for the move before
applying for the loan.
Next, you should take a look at the current
interest rates compared to the
ones on your existing mortgage, and then decide whether or not a
refinance would help your situation. For example, if you have an
ARM mortgage, and the interest rates are at an all-time low, you
might want to refinance your loan and turn it into a fixed rate
so your payments won't go up again as rates rise. In addition,
if you have a fixed rate, but bought your home when interest
rates were higher, you might want to refinance in order to lower
yours.
If you find yourself with a lot extra debt, you could take
advantage of a cash-out refinance loan.
With this type of loan, you
add on an amount to your home loan, refinance the entire thing at a
lower interest rate, and then take the "extra" money out and pay
off your debt. This will allow you to reduce the amount of debt you
owe (because the interest rate will be lower), and at the same
time, reduce the amount of the monthly payment.
Most experts agree that you shouldn't go to the trouble or
expense of refinancing your home if you don't intend to stay in it
for at least three years. Otherwise the cost of the process would
likely be more than the overall savings.
About the Author: To see a list of recommended mortgage
refinance loan companies online, visit this page:
.abcloanguide.com/refinance.shtml -
Carrie Reeder is the owner of ABC Loan Guide, an informational
website with articles and more about various types of loans.
Source: www.isnare.com
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