Refinancing Your Home - Is the Time Right?

Refinancing your home is a major decision not to be taken lightly, even in this era of low interest rates and easy money. While every mortgage company in town is touting the strategy of getting a new loan before rates rise again, there are several things you'll want to be mindful of before you go about refinancing your home.

In my view the key to refinancing your home isn't just the rate they're offering you: it's the total package looked at not only in terms of today, but a few years down the road. Many people have taken out new loans that really weren't quite right for their long term situations, thinking they'd be able to refinance again in the not-too-distant future. That may or may not prove to be true. No one has a crystal ball that'll give you a definitive idea of just where rates will be even a year from now, so try to approach this with a somewhat more long-termed view. It's very easy to get tempted by the prospect of easy, fast cash, but in the end you end up giving it all back in terms of higher payments, and worst case, be unable to make your payments and lose your home. Just look at all the costs associated with this new loan, determine what the payments will be in 2, 5 and 10 years, or whatever your timeline is, and make an informed decision unfettered by a mortgage broker's "opinion" what's "best" for you. They have a vested interest in getting you into a loan, any loan, and WILL NOT, repeat, WILL NOT, have your best interests at heart when you go about refinancing your home.

Some things to consider when refinancing your home would be the type of loan,(fixed,ARM, etc.) the rate, the term, the costs associated with the loan, any cash equity you'd like to take out, and the time and documentation necessary for refinancing your home. This is a wildly competitive market, and please do yourself a favor and shop around. The same loan one lender will offer you can vary greatly from another just down the street as far as total costs go. Don't be afraid to say no: they're not doing you a favor by "giving" you this loan. They're reaping many thousands of your dollars in interest, so make sure you get what you want, not what they want to sell you. Remember, you're refinancing your home, not their summer vacation!

All in all, when refinancing your home, take your time. Shop around, compare, and you are the customer, and what was that they say about the customer always being right? You are, as long as you do your homework when refinancing your home.

Keith Thompson is a real estate investor and webmaster at Mortgage Loans Today where you can find more information and resources for refinancing your home

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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.sbwire.com/news/view/22363cid=0ei=QCnzSLG0K4Lg6AOO-OSCAQusg=AFQjCNEKmXI9JYL661JLgAJ8KdYQRowbGwThe Truth About bMortgage Refinancing/b Revealed By Oregon bMortgage/b b.../b/abrfont size=-1font color=#6f6f6fSBWire (press release),nbsp;WInbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The site is designed to give Oregon residents all the facts about bmortgage refinancing/b so they can make an educated decision when obtaining a bmortgage/b. b.../b/font/div/font/td/tr/table
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.kpic.com/news/business/30867439.htmlcid=1256948565ei=QCnzSLG0K4Lg6AOO-OSCAQusg=AFQjCNEitE3pTMtYXbdp3OOR83Cr8sxN7gimg src=http://news.google.com/news?imgefp=-6ZDBCkaQVoJimgurl=media.kpic.com/images/080609_credit_debt.jpg width=80 height=60 alt= border=1brfont size=-2KPIC/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://ap.google.com/article/ALeqM5ixd-MpE9eW2GcjDKm2I5_MuSbgWQD93P4UI81cid=1256948565ei=QCnzSLG0K4Lg6AOO-OSCAQusg=AFQjCNGrDCD9sEN_LYdf9U3SMj7qGz2qYQIs the era of easy credit over for the long haul?/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1Once the business took root, she planned to brefinance/b into a fixed-rate loan and cut her cost. But as the economy declined, she had trouble filling rooms. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.delawareonline.com/article/20081012/BUSINESS/810120371cid=1256948565ei=QCnzSLG0K4Lg6AOO-OSCAQusg=AFQjCNHx6IMpEI8XeTsHnad_FJHWKD5qKgBudgets stretched more every month/a font size=-1 color=#6f6f6fnobrThe News Journal/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=1256948565hl=ennobrall 156 news articles/nobr/a/font/div/font/td/tr/table
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Give yourself time to rebound. Whether you had to turn... Read More

The Worst Way to Shop for a Home Mortgage

You've found a house that is perfect for you. It... Read More

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Finding the best mortgage lender online is simply a matter... Read More

Get the Best Rate on Your Home Mortgage Loan

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Home Mortgage Interest Rates: How to Compare

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Home or Investment Property Equity: Be Sure the Bank Gives You All that You Deserve

Home equity is your own personal money machine. If you... Read More

What is a Self-Certification Mortgage?

A Self-Certification mortgage is a mortgage designed for people who... Read More

Why Choose a Home Equity Loan?

There are many reasons for choosing a home equity loan.... Read More

What is a Repayment Mortgage?

A repayment mortgage is the type of mortgage that most... Read More

Fees Paid To Brokers By Mortgage Lenders Are Far Too High

Procuration fees paid by some sub-prime lenders are too high.Fact.There... Read More

Guide to Home Equity Loans

Here is a useful guide to home equity loans. A... Read More

Tips On New York Mortgage Refinance Loan

Many homeowners want to know if it worth taking a... Read More

Repayment Remortgages is The Cure For Outdated Endowment Policy

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Residential Mortgages ? a Step Ahead on the Property Ladder

Doesn't Residential mortgage give the impression that they are a... Read More

Mortgage Free In 15 Years!

Imagine paying your mortgage off in 15 years! Think of... Read More

What Length Mortgage Is Right For You?

You've found the home that is right for you, and... Read More

Guide to Mortgage Terms

Listed below is a guide to mortgage terms. It is... Read More

What is a Home Equity Loan?

A home equity loan is a loan that is guaranteed... Read More

Mortgage Refinance - Tips to Help You Cut Fees and Costs

Saving money through a mortgage refi is more than just... Read More

Real Estate Lender - Get Approved For a Mortgage Loan Online

Real estate lenders now offer mortgage loan quotes and application... Read More

Keep Your Eye Focused on Treasury Bond Rates To Adjust Your Current Mortgage Rates

Mortgage rates typically are based off the current rates of... Read More

Home Equity Loan ? A Reverse Mortgage Could Provide a Comfortable Retirement!

While only comprising about 1% of all mortgages, the reverse... Read More

Bad Credit Home Financing - Buy a House Even With Poor Credit

Sub prime lenders come in two groups: reasonable and unreasonable.... Read More

The Best Way To Get The Right Mortgage

Are you thinking of buying a home? If so, then... Read More