Start With The Basics

Refinance FAQs

Got a refinancing or general mortgage question?

You can bet we have the answer. Check out this section to quickly get the lowdown on many of the most common mortgage questions.

Understanding Rate Fluctuations

Think The Fed is the sole controller of mortgage interest rates? Think again. This page lays out the multitude of agencies, indexes and other variables that interplay to set mortgage rates. After reading, you'll know why interest rates seem to change daily.

What's Your Home Worth?

It's the question every homeowner likes to know. Here, we'll spell out all the factors that come into play in determining the value, as well as the best resources to contact if you need an official valuation conducted.

Credit And You

What's considered perfect credit? And what puts the "bad" in bad credit? Here's your chance to read up on the different credit categories and how the risk level of each affects what home loan programs may be available.

Loan Options and Comparisons

Ways To Refinance

Read this article to get a basic understanding of the four main refinancing plans: fixed-rate, adjustable-rate, interest-only and cash-out. It's a quick and easy read that will provide a map to the path to refinancing your home.

Interest-Only Mortgages

For some people - especially those who need a lower initial monthly payment or have inconsistent monthly income - refinancing into an interest-only loan could be a perfect fit. Read on to find out whether this type of loan could help you out.

Getting Cash Out Of Your Home

We pit the three most common ways of extracting home equity against each other. You'll learn the "ins and outs" of each and the different scenarios each is best suited for.

Fixed-Rate Mortgages vs. Adjustable-Rate Mortgages

If you're in the market to refinance your mortgage, you've definitely heard these very common loan terms. What we've done is summarize, compare and contrast them to ensure that you have the knowledge you need moving forward.

FHA Basics

What's an FHA loan? Can I get one as a refinance loan? Is this a government loan? You'll get answers to these questions and a bunch more in this article.

Appreciating America

The subprime crisis has hit home for many, literally. However, we've created a plan, which gives hope to those that need it the most. Read on to learn how this program could save the homes of many, many Americans.

Debt Consolidation: Smoothing Out The Cash Crunch

It's all too easy to overspend. Now, you'll understand how it may be just as easy to wrap your debt into a neat little package with a single monthly payment.

Checklists and Breakdowns

A Checklist For Getting Your Refinance Started

Copies. Copies. Copies. You'll need a bunch of these, such as your W-2, driver's license, most recent bank statement and more. Don't worry though, with this handy checklist you'll know exactly what you'll need as you get started.

The Importance Of The Good Faith Estimate (GFE)

Not just a good reference, but a great one. This article gives you a nuts and bolts look at what exactly a Good Faith Estimate (GFE) is, and how very important it is as "THE" resource for comparing lenders and educating yourself on a loan's details.

Closing Cost Breakdown

If you've sat through a closing before, you know how overwhelming the occasion may be if you're not prepared. In this article, we'll go over the HUD-1 form you'll be presented and provide the who, what, when, where and how for each line.