Should You Choose to Refinance?

Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate.

So why would you choose to refinance?

  • You may be able to take advantage of lower interest rates.

  • You may also be able to extend the repayment period of your mortgage. While you will end up paying more in interest charges for this, this will reduce your monthly outgoings.

  • You may be able to switch from a variable rate to a fixed rate mortgage, giving you greater security in the future from potential rate increases.

  • You may also be able to increase the amount of your mortgage, to pay off other, higher interest rate liabilities such as credit card debt, cell phone debt and personal loan debt. This will enable you to save money on interest rate charges

Why would you avoid refinance?

If you decide to borrow more than your existing mortgage, you need to be wary of your budget. If you default on your payments you run the risk of losing your house.

If you do not calculate the costs involved with refinancing correctly, you could end up paying more in interest charges.

Thoroughly review the contract of your existing loan, an early pay out could involve a penalty that would negate the benefits of refinancing.

What will it cost me?

Refinancing does carry some costs that you need to be made aware.

  • Valuation Fee ? This is the fee for a professional appraisal of the value of your house.

  • Credit Report ? An assessment of your credit health

  • Escrow ? Fee for money transferred by a third party.

  • Lender Fees ? Any other fees that are incurred by using a particular lender

Am I eligible?

Applying for mortgage refinance is just like applying for another loan. There is a set criteria for acceptance. Every missed mortgage payment will count against you in the application, either resulting in a greater interest rate or a refused application.

Should I choose refinancing?

You will need to assess your current mortgage and the changeover costs and savings to ascertain whether it will be of benefit to you. There are specific refinancing calculators that can help you determine the net gain. The best one that I have found is here http://www.calcbuilder.com/cgi-bin/calcs/HOM12.cgi/

As a rule of thumb many lenders advocate that a 1% gap between your current interest rate and a refinance rate makes refinance a worthwhile option. Always make sure to speak to a financial professional before deciding to refinance your mortgage.

About The Author

Brad Slade

More information on mortgage refinance available at http://members.optusnet.com.au/~mortgagearticles/

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://www.theaustralian.news.com.au/story/0,25197,24462678-7583,00.htmlcid=1255197250ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNH_zj0s0UGU6jDy-pQBCYLFNyzVSgHouse of cards built with good intentions/abrfont size=-1font color=#6f6f6fThe Australian,nbsp;Australianbsp;-/font nobr6 hours ago/nobr/fontbrfont size=-1Americans can take out a bmortgage/b loan 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 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.publicbroadcasting.net/wbfo/news.newsmain%3Faction%3Darticle%26ARTICLE_ID%3D1383875%26sectionID%3D1cid=0ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNFP5z1S_5umbMX76reAMUA99LjGdAHomeowners Pressured to bRefinance/b/abrfont size=-1font color=#6f6f6fWBFO,nbsp;NYnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1The bmortgage/b crisis is bringing opportunity for some lenders that hope to benefit from troubled consumers. And not all those marketing efforts are in 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.dallasnews.com/sharedcontent/dws/bus/stories/DN-mortgages_05bus.ART.State.Edition1.26e441e.htmlcid=1255178241ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNGeSCJeVmy1-f9hSsVK3G3IPShldgMany 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.twincities.com/ci_10650793%3Fsource%3Dmost_emailedcid=1255178241ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNHGyBnYXeG3KdS5mBvIONDDhRXUhgEveryday Cheapskate: Fannie Mae meltdown touches all of us/a font size=-1 color=#6f6f6fnobrPioneer Press/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=1255178241hl=ennobrall 49 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.marketwatch.com/news/story/mortgage-loan-applicants-welcomed-family/story.aspx%3Fguid%3D%257B9202D88B-6F34-453F-AC9F-55CFBBBDCF69%257D%26dist%3Dhpprcid=1254808303ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNGP2NuP-3FXUMgUMBuNfqO7xkn8bgbMortgage/b Loan Applicants Are Welcomed at Family First Federal b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrOct 6, 2008/nobr/fontbrfont size=-1The credit union provides various bmortgage/b services including construction loans, bmortgage refinance/b and home equity options. Anyone who lives, works, 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=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNFG0UZlrk8nN8Njsrjr8kSQMeNepgMarwan Bin Ghalita/abrfont size=-1font color=#6f6f6fKipp Report,nbsp;United Arab Emiratesnbsp;-/font nobr21 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.theaustralian.news.com.au/story/0,25197,24462758-23634,00.htmlcid=1255131915ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNHkn1vtsV21_HZhcxumWvaVkwn0JgInterest-rate sensitive stocks/abrfont size=-1font color=#6f6f6fThe Australian,nbsp;Australianbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1As always, there#39;s a reason for the caution: SAR has to brefinance/b $US220 million ($300.6 million) of debt used to fund its Jembayan acquisition last year. 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.wsbtv.com/money/17506067/detail.htmlcid=0ei=GbTrSN_dHYyQ6wP1hcCDCQusg=AFQjCNHDY-mwkOvmwngkvKJTEw3CoINpLAViewer Stories: Housing Market Victims/abrfont size=-1font color=#6f6f6fWSBtv.com,nbsp;GAnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Well to make a long story short, two months ago we looked to brefinance/b again and start making regular payments, only to find that the bmortgage/b company added b.../b/font/div/font/td/tr/table
mortgage refinance - Google News

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