Refinance Your Home Mortgage Online

The largest financial obligation most people ever take on couldn't escape the reach of the Internet. Home mortgage loans originated online comprise an integral part of one of the largest and most profitable aspects of the banking industry. Unlike many shifts in big business recently, this change actually seems to greatly benefit consumers by increasing competition and placing more financial control in the hands of homeowners.

To finance or refinance a home in the olden days (before the Internet), you needed to find a mortgage lender, broker, or banker who wanted to make a loan for you. Though mortgage lenders always wanted to make good loans, the process of gathering information to compare interest rates, points, and loan programs among lenders presented a tedious task for borrowers. Without a centralized information source for mortgage rates, loan programs and financial advice, most people just called a few banks and went with the lender that seemed to offer the lowest rate for the least discount points.

Now borrowers can access up-to-the-minute financial information and economic indicators online. Comparing rates and fees between lenders takes only the click of a mouse. Loan programs and mortgage calculators quickly figure the best strategy for everything from which loan represents the lowest cost over time to how much money a borrower could save by prepaying their mortgage on a monthly or bi-weekly basis. Financial tools available online truly empower any borrower with Internet access.

Though the Internet represents a faster and more hassle-free way to refinance your first or second mortgage, remember these important facts:

Loan Programs ? Just because the Internet makes the loan process easier doesn't mean you should abandon common sense. Take the time to analyze which loan program best meets your needs based on the big picture of how long you'll live in the house, the payment you can handle comfortably, and how much cash or equity the lender requires.

Fees ? All lenders don't charge equally. Many offer a lower interest rate, but make up the discount in fees and charges. Analyze costs between lenders by obtaining a list of all associated loan fees known as a "Good Faith Estimate".

Service ? Obtaining a loan online won't do you a bit of good if you run into a problem and need to speak with a live human. Make sure your online lender maintains offline customer service.

Rate Lock-in ? The lender's website should clearly explain their interest rate lock-in period and policy. Don't get lured in by a lender offering a lower rate and points only to find out the hard way that your interest rate lock expires before you can get the loan closed.

Loan Commitment ? Find out from the lender's site what legally binding documentation they provide to document the loan commitment once you get loan approval.

Though many borrowers use the Internet purely for research, record numbers now go online to apply and complete the entire mortgage process on the Web, while saving significant money and time in the process.

Copyright 2005 Jim Edwards

Jim Edwards is a consultant specializing in internet mortgage refinance strategies and consumer home loan information. He is the author of "The TEN Dirty Little Secrets Of Mortgage Financing" at http://www.mortgageloantips.com/info.html and offers a free mortgage e-course at http://www.mortgageloantips.com/eclass.htm

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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.dallasnews.com/sharedcontent/dws/bus/stories/DN-mortgages_05bus.ART.State.Edition1.26e441e.htmlcid=1254756855ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNGaPrX5Ql8XnhGD4lCZxKuS315v6gMany pieces go flying from bmortgage/b implosion/abrfont size=-1font color=#6f6f6fDallas Morning News,nbsp;TXnbsp;-/font nobrOct 5, 2008/nobr/fontbrfont size=-1quot;People were [brefinancing/b] to pay off other debts,quot; said Ms. Watson. quot;The saying was, #39;Why get a car loan when you can get a bmortgage/b loan and write off b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.courant.com/news/opinion/editorials/hc-digbrflets1003.art3oct03,0,2510204.storycid=1254756855ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNF-x5Hi98u5zNpiKKJ89DN7HbSVBgProtect Taxpayers/a font size=-1 color=#6f6f6fnobrHartford Courant/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=1254756855hl=ennobrall 102 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://online.wsj.com/article/SB122325772150706655.html%3Fmod%3Dspecial_page_campaign2008_mostpopcid=1254284878ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNEE_gs5yQU78BUaQHwXhysDjTnulQNot Everyone Should Own a Home/abrfont size=-1font color=#6f6f6fWall Street Journalnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1Americans can take out a bmortgage/b more or less as a one-way bet. If you can#39;t afford the repayments and can#39;t brefinance/b, you just send the keys back to the b.../b/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.kippreport.com/kipp/arif-alharmi/arif-alharmi/cid=0ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNFn6P0TSmcQlpjbpoW5u8GelU0_7gMarwan Bin Ghalita/abrfont size=-1font color=#6f6f6fKipp Report,nbsp;United Arab Emiratesnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1Last year, Amlak announced plans to become a founding shareholder of the Egyptian bMortgage Refinance/b Company (EMRC) through Amlak Egypt. b.../b/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.transworldnews.com/NewsStory.aspx%3Fid%3D63845%26cat%3D8cid=0ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNHEzEfJF6kaR_t9i-TsLNOUP2K5DgHow You May Qualify For a “Short Pay” bRefinance/b/abrfont size=-1font color=#6f6f6fTransWorldNews (press release),nbsp;GAnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1If you are upside down and have no lates on your bmortgage/b, you may qualify for what is called a “Short Pay” brefinance/b. Basically, what the Government is b.../b/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.marketwatch.com/news/story/homesaverprogramorg-loan-modification-saves-desperate/story.aspx%3Fguid%3D%257BFD213C8F-9774-420A-8AAF-E433C3CA5D88%257D%26dist%3Dhpprcid=1254820845ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNGQwJtwO6p-Uzl9WALKycjJDJd97Ahomesaverprogram.org Loan Modification Saves Desperate Couple from b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1The mounting medical bills prompted the couple to brefinance/b their $350000 home in Chicago, IL, from a $200000 30-year fix-rate bmortgage/b at a 6.0% interest b.../b/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.startribune.com/business/30453934.html%3Felr%3DKArksLckD8EQDUoaEyqyP4O:DW3ckUiD3aPc:_Yyc:aUnciatkEP7DhUsXcid=1254804461ei=VdTqSPXOJ6Xg6gOlmdz9CAusg=AFQjCNGMAZaAZDNW4wPtI3x78-dFOyKm6QCommercial real estate feels pinch/abrfont size=-1font color=#6f6f6fMinneapolis Star Tribune,nbsp;MNnbsp;-/font nobr13 hours ago/nobr/fontbrfont size=-1Most of the ones Bushman said he#39;s familiar with involved small retail properties that failed to attract tenants or were unable to brefinance/b. b.../b/font/div/font/td/tr/table
mortgage refinance - Google News

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