Know Your Mortgage Options

While trying to find the lowest rates, many homeowners fail to examine the type of mortgage, and which type of mortgage is best suited to their needs. Whether you are buying a new home or refinancing, it is important to understand the different mortgage types, and evaluate which one best meets your needs.

The most important decision is that between fixes rate mortgages and adjustable rate mortgages (or ARMs).

Fixed rate mortgages have interest rates set at the time of purchase, and these interest rates remain fixed. By getting a fixed rate mortgage, the borrower can "lock in" the rate. This is a low risk strategy for those who are comfortable with the existing interest rate. However, if interest rates fall, fixed rate mortgages will still have to pay the higher interest rates.

Adjustable rate mortgages are generally cheaper than fixed rate mortgages in order to entice borrowers. But these lower rates are not guaranteed, and the rates will go up corresponding to an increase in interest rates. But the rates can also go down, and these mortgages are becoming far more popular with the consistently low interest rates of recent years.

The decision between fixes rate mortgages vs. adjustable rate mortgages will come down to financial expectations, and the ability to tolerate risk. Those who are confident their earning power will increase might be more comfortable with an adjustable rate mortgage that has lower payments now, but risks higher payments in the future. On the other hand, those who are satisfied with existing interest rates, and feel that the rates are likely to rise will want to lock in these rates for the long term.

In either case, mortgages can be refinanced, but refinancing a loan costs money, and the best savings will be available to those who don't need to refinance often.

Another type of loan that has become popular in recent years is the interest only loan. In fact, an interest only loan is not a type of mortgage; it is just an option that can be applied to a mortgage. With an interest only loan, the borrower is free to pay only the interest, but not make any payments towards the principal. This lowers payments, although the loan is not actually getting paid off. This type of loan may be attractive to those who believe leverage in their home's value is more important than actual ownership since their house value will increase. It is a speculative position.

Balloon loans are similar in many ways to the interest only option on mortgages. The balloon loan allows the borrower to pay off the principal at a later date, and pay interest only up front at set rates. In the ultimate derivation of a balloon, or interest only loan, a homeowner owes the entire sum of the original loan amount after 30 years of paying interest.

Two step loans are another option, where a fixed rate is settled for a number of years, and then a new fixed rate is set up after 5 or 7 years with a one year adjustable for the remainder of the loan.

Choosing the right type of mortgage for your financial situation is an important decision that could save many thousands of dollars over the long run. There is no one correct answer for all people in all financial situations, but it is important to understand the types of loans, and how the match with your personal financial expectations.

Rex Ryan maintains the website:

http://www.cheapmortgaeglenders.info

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200812031401DOWJONESDJONLINE000799_FORTUNE5.htmcid=1277240284ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNG43SWetz4SwSvtIMcVfYneydT71AHome Builders Soar On Lower bMortgage/b Rates, But Pain Persists/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1As consumers raced to lock in lower rates, applications to brefinance/b existing loans jumped 203.3% last week from the week before, while bmortgage/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dnronline.com/news_details.php%3FAID%3D33724%26CHID%3D1cid=1277240284ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNEE18lnVfe6B5sP5QyaM2ktFjSqEQ30-Year Rates At Lowest Since ‘03/a font size=-1 color=#6f6f6fnobrHarrisonburg Daily News Record/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/developments/2008/12/03/economists-stabilize-home-prices-by-cutting-them-drastically/cid=1277240284ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNHbMDvRiiLT1-RNuF1fyefFDgUa_AEconomists: Stabilize Home Prices By Cutting Them Drastically/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277240284hl=ennobrall 5 news articles/nobr/a/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/12/02/AR2008120203155.htmlcid=1277101884ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNHMfjJqTeKrIhZoH3jTjqMMeXrLNAFHA Insurance Fund Has Fallen 39 Percent/abrfont size=-1font color=#6f6f6fWashington Post,nbsp;United Statesnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1If they suffer a financial blow, such as job loss, they will be more likely to default on their loan because they won#39;t be able to sell or brefinance/b. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.prweb.com/releases/VA/loans/prweb1696824.htmcid=1277101884ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNEoFBZGPgPDxovrgOMoGwgZiaexMwRecession Lowers bMortgage/b Rates for VA Loans, Flagship Financial b.../b/a font size=-1 color=#6f6f6fnobrPR Web (press release)/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277101884hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/news/worldnews/northamerica/usa/3521379/US-injects-further-800bn-to-kick-start-lending.htmlcid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNFlsh8BlmAT2gmhNwQ74-8AJTYVWAimg src=http://news.google.com/news?imgefp=BOTSKt9R0gMJimgurl=www.telegraph.co.uk/telegraph/multimedia/archive/01120/paulson_1120785c.jpg width=80 height=50 alt= border=1brfont size=-2Telegraph.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/investing/la-fi-mortgage27-2008nov27,0,3466653.storycid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNFg3CMkCpmQIdC4cojbwUqvCZ7jVQbMortgage/b rates fall, but many borrowers will have trouble qualifying/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobrNov 27, 2008/nobr/fontbrfont size=-1Jeff Lazerson, a Laguna Niguel bmortgage/b broker, said all the customer calls he received Tuesday were from people seeking to brefinance/b, not buy homes. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/11/25/news/mortgage.revival.fortune/%3Fpostversion%3D2008112515cid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNFlJptswYWB1exEDVvPoR5l_OfvYAbMortgage/b-market revival: Try, try again/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.baltimoresun.com/business/bal-bz.mortgages27nov27,0,9349.storycid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNHm6YkTZn9ofI1poWY6s1X6E-x4TgUS move cuts mortgages to lowest rate since February/a font size=-1 color=#6f6f6fnobrBaltimore Sun/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaQ86JoZr_VFY%26refer%3Dhomecid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNFgIW25s-RYGmM1NyVttIqFqK5qyAbMortgage/b Rates Tumble on Fed Debt Purchasing Plan (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fool.com/personal-finance/retirement/2008/11/28/last-call-for-smart-homeowners.aspxcid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNF_KKKXpI0zf9-O68KPJT_-lnO4YAnobrMotley Fool/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7013205204cid=1275069318ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNG0aR3ojG2mAPKH_7C6FLutvdGf2gnobrAHN/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1275069318hl=ennobrall 2,549 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.miamiherald.com/business/story/796867.htmlcid=1276939684ei=r-g2SazpK5qO9QSulLmjDwusg=AFQjCNH1zT7YSww08rjWt_nwU1gMs18yOwHome loan fraud still rising/abrfont size=-1font color=#6f6f6fMiamiHerald.com,nbsp;FLnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1Desperate owners facing foreclosure are also looking for ways to game the system through appraisal fraud and other means in order to brefinance/b or sell. b.../b/font/div/font/td/tr/table
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Sub prime lenders handle high risk mortgage loans that traditional... Read More

What is an Offset Mortgage?

An offset mortgage is very similar to a current account... Read More

Using a Calculator to Assess Your Loan

Buying a house is a very important step in your... Read More

Consolidate Your Debt With a Home Equity Loan and Improve Your Credit Score

A home equity loan is a loan based on the... Read More

What Are Mortgage Brokers And Why To Use One

"Mortgage" is formed from two words: the French word "mort"... Read More

Doing a California Refinance Online

Californians are passionate people. I know. I have lived in... Read More

Buy To Let Mortgages ? To Let in Reasonable Capital Growth with Financial Obligation

Every individual needs a home and every home needs an... Read More

Home Mortgage Loan Refinancing Online - 3 Tips on Refinancing Your Home

When refinancing your home, it's helpful to know a few... Read More

Guide to Interest Only Mortgages

Here is a useful guide to interest only mortgages. An... Read More

Home Equity Loan Risks

Home equity loans give individuals a tool to extend their... Read More

Mortgage Loan Information - Know The Basics When You Refinance or Purchase a Home

If you are currently looking for a new home, chances... Read More